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Annuity Calculator

Our annuity calculators will help you determine whether or not an annuity is the best financial vehicle for your retirement planning. They will help answer the question of how annuities work, and provide insight on the pros and cons of annuities for investors. There are many types of annuities available today in the market - and each works somewhat differently. So, it's important to be careful when selecting these products and to base your decision on facts, and not an annuity sales pitch.

When considering an annuity, the type you choose can play a key role in how much the money you put into your annuity grows as well as the amount of retirement income you will ultimately receive. Options include a deferred annuity, immediate annuity, fixed annuity, variable annuity, or an indexed annuity. The annuity calculators below provide you with a clear insight to the potential return and the costs of the different annuity types and can assist with your planning going forward.

DEFERRED ANNUITY CALCULATOR

A deferred annuity will delay, or defer, the payments of retirement income until some time in the future, allowing the money you put into an annuity to earn a certain rate of return. There are several different types of annuities that can be deferred, including fixed annuities, variable annuities, and indexed annuities.

FIXED ANNUITY CALCULATOR

A fixed annuity provides a fixed rate of return and set dollar amount of income payments to the annuitant throughout the term of the contract. While these annuities provide for safety of principal, the return is typically lower than some other potential investment options—especially if you are locked in for a long period of time.

IMMEDIATE ANNUITY CALCULATOR

An immediate annuity generates retirement income payments immediately, or very soon after, you buy the annuity contract. With immediate annuities, you pay a lump sum and an income stream is generated from that money based upon the annual growth rate, the withdrawal period, and the amount of fees deducted by the annuity.

INDEXED ANNUITY CACLULATOR

An indexed annuity offers a return on your funds that is based on an underlying market index such as the S&P 500. While indexed annuities provide investors with downside protection, they also typically include caps and interest rate maximums on their gains, meaning that their holders can often end up with lower than expected returns.

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Annuity Fundamentals Annuity Fundamentals
This 8-page guide will help you better understand annuities so you can make well-informed decisions about whether they’re best suited to meet your retirement goals.
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