Annuity Calculator

How to use

1. Enter the initial lump sum you would place in the contract.
2. Add the monthly contribution you plan to keep up.
3. Set an assumed annual growth rate and the years to accumulate.
4. Read the projected value, your contributions and the growth portion.
5. Rerun with a lower rate to stress-test the projection.

About this tool

During the accumulation phase, an annuity behaves like any compounding account: money in, growth on top, year after year. This calculator projects that phase. Enter an initial lump sum, a monthly contribution, an assumed annual growth rate and the number of years to grow, and it returns the projected future value, the total you contributed, and how much of the ending balance is growth. On the defaults, 50,000 dollars plus 500 dollars a month at 5.5 percent for 20 years reaches roughly 367,600, of which 170,000 is contributions and close to 197,600 is assumed growth. The rate is an assumption, not a promise; real contracts credit rates differently. Projections use your assumed rate and inputs only; actual annuity values, fees and contract terms depend on the specific product. Verify with official insurer disclosures. Not financial advice.Fixed annuities credit a declared rate set by the insurer, while variable annuities invest in subaccounts whose results ride the market. Variable contracts commonly layer mortality, expense and fund charges around 2 to 3 percent a year (approximate), which would flatten these projections materially. Surrender charges can apply for several years after purchase. Verify contract specifics and fees with official disclosures before committing.

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