Annuity Calculator
During accumulation, annuity premiums grow tax-deferred. Project your contract value before payout begins.
Contract value at payout start
$331,060.61
- Total premiums paid
- $170,000.00
- Tax-deferred growth
- $161,060.61
How the Annuity Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
Are annuity gains taxed favorably?
No — gains come out as ordinary income, unlike long-term capital gains rates on index funds. Weigh deferral against rate differences.
What do variable annuities cost?
Commonly 2–3%+ per year in rider and fund fees. Model net-of-fees returns or consider low-cost fixed alternatives.
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