The deferred annuity calculator below has many potential uses. By using the inputs in a particular way, you can determine the growth prospects for a fixed annuity, or gain an understanding of how today’s low interest rates can impact a contract of long periods. The output can also give you an idea of what type of income might be expected in the future from a hypothetical fixed annuity. You can also use it for variable, indexed, and immediate annuities.
Based on the inputs above, the approximate returns and expenses accumulated during the deferred growth period would be:
Growth Period 
Gross Total Gains ($)How much would the principal grow without fees? 


Total Expense Paid (During Accumulation)How much fee expense is paid during the growth period? 


Annual Net Return (%)What is the equivalent APY during growth? 


Total Net Gains ($)How much profit would accumulate after fees are paid? 


Ending ValueWhat is the ending value of your principal (plus growth, minus fees)? 


Starting with the estimated ending value from the growth period, the estimated income available over the stated retirement period and the approximate overall return from the initial investment until the end of the withdrawal period would be:
*The Estimated Annual Income calculation is based on a standard annuity payment formula used to calculate the periodic payment on an annuity. For further explanation of the formula please refer to http://www.financeformulas.net/Annuity_Payment_Formula.html
Click below to see a hypothetical example illustrating how you might use our annuity calculator to evaluate a fixed annuity.
FIXED ANNUITY – HYPOTHETICAL EXAMPLE