Annuity calculators and estimators
Six free tools for understanding how annuity income, liquidity, tax, and exchanges actually work. Each one states its assumptions in plain language, applies no carrier or product pricing, and requires no login. All figures are illustrative and educational — none of them is a quote, projection, or guarantee.
Annuity Payout Calculator
Estimate an illustrative monthly and annual income figure from a premium amount, the age income begins, and whether payments continue over one life or two.
Open tool →Surrender Charge Estimator
See an illustrative declining surrender charge, the free-withdrawal allowance, and net proceeds for the contract year you are in.
Open tool →Retirement Income Calculator
Compare an illustrative income figure against the monthly income you want in retirement to see the gap in generic terms.
Open tool →RMD Calculator
Apply the IRS Uniform Lifetime Table to a prior year-end balance for an illustrative required minimum distribution, with a ten-year schedule.
Open tool →MYGA vs CD Calculator
Compare a multi-year guaranteed annuity against a bank certificate of deposit at the same term, with CD interest taxed annually and annuity gain deferred.
Open tool →1035 Exchange Checklist
Eight questions covering surrender charges, riders, benefit base, bonuses, and carrier strength — the facts to confirm before any annuity exchange is discussed.
Open tool →A calculator can't read your contract.
The free Annuity Position Score™ reviews an annuity you already own across five pillars — cost, liquidity, guarantees, carrier strength, and suitability — in about three minutes.