Abstract: Various examples described herein are directed to systems and methods for creating a retirement plan and determining a guarantee. In an example, a retirement plan system is adapted to receive a plan participant's financial input and estimate retirement costs. The retirement plan system may be further adapted to determine accumulation values for the retirement plan. The retirement plan system may be further adapted to create an investment plan based on the selected accumulation value and investment requirements associated with the accumulation value. The retirement plan system may be further adapted to determine a guarantee for the investment plan.