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Calculators / FIA Outcomes

FIA Cap Rate Simulator

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

Live rate environment
Updated May 11, 2026
10-Yr Treasury
4.32%
FRED / U.S. Treasury
Fed Cut Probability
42%
Next FOMC June 17, 2026
Avg 5-Yr MYGA
5.60%
Industry average
SPIA @ 65M / $100K
$600/mo
Life-only payout
Inputs
Enter values and the result will appear here.

How this calculator works

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

Inputs: Premium ($), Cap rate (%), Participation (%), Floor (%), Term (years).

Output: Range of credited interest outcomes.

Methodology: this calculator uses publicly available industry-average inputs (SSA Period Life Table, Federal Reserve Treasury yields, average carrier-published rate cards). Output is illustrative only. Actual carrier quotes vary by carrier, contract features, and current market conditions. Verify with the carrier or a licensed advisor before purchase.