Calculators

Run your own numbers first.

Free, no email gate. Each calculator uses publicly available industry averages with full source disclosure. Output is a starting point, not a quote.

SPIA Estimator

Immediate Annuity Calculator

Estimate the monthly income a SPIA produces from a lump sum, by age, sex, and payout type.

AgeSexPremium ($)Payout type

Deferred Payout

Annuity Payout Calculator

Project monthly or annual payout from a deferred annuity over a chosen distribution period.

Premium ($)AgeDeferral yearsPayout duration

Deferred Growth

Deferred Annuity Calculator

Project tax-deferred growth of a fixed-rate annuity over the accumulation period.

Premium ($)Guaranteed rate (%)Term (years)

FIA Outcomes

FIA Cap Rate Simulator

Simulate a 10-year range of FIA outcomes using historical S&P 500 data and your contract terms.

Premium ($)Cap rate (%)Participation (%)Floor (%)Term (years)

Surrender Cost

Surrender Charge Calculator

Calculate the dollar penalty of an early withdrawal under a typical surrender schedule.

Premium ($)Surrender scheduleWithdrawal amountYear of withdrawal

Longevity

Life Expectancy Calculator

Estimate life expectancy using SSA period life tables. Useful when sizing income annuities.

AgeSex

Income Gap

Retirement Income Gap Calculator

Identify the monthly income gap between expenses and guaranteed sources, then size the annuity needed to close it.

Monthly expensesSocial Security est.PensionOther guaranteed income

Methodology disclosure. Calculators use publicly available industry averages: SSA period life tables for life expectancy, average MYGA rates from public carrier filings, historical S&P 500 returns from Yahoo Finance, and average SPIA payout rates aggregated from carrier sources. Output is illustrative only. Actual carrier quotes vary.