Variable Annuity Calculator
Market-linked growth shown net of all fees.
Calculator
Results
Projected Value (net of fees)
$32,375.58
$4,410.01
4.80%
Live results update as you type — currently showing projected value (net of fees) of $32,375.58. Replace the defaults with your own numbers.
Visualizations
Fees vs Growth
Formula
Market upside minus contract drag.
Variables
| Symbol | Name | Unit | Description |
|---|---|---|---|
| g | Gross | % | Market |
| f | Fees | % | Annual drag |
Explanation
Net growth after all fees.
Step-by-Step Calculation
Follow each step to understand how the result is calculated from your inputs.
Net = 6.00% - 1.20% = 4.80%
Gross (no fees) would be
Worked Examples
See how the calculator works with different scenarios.
Scenario
The variable annuity calculator run on the values above.
Inputs
Calculation
1. Net = 6.00% - 1.20% = 4.80% → $32,375.58 2. Gross (no fees) would be → $36,785.59
Result
Projected Value (net of fees): $32,375.58
Interpretation
1.20% in fees costs $4,410 over 20 yrs.
Understanding Your Result
Your Result: Projected Value (net of fees): $32,375.58
What This Means
Net growth after all fees.
Why It Matters
1.20% in fees costs $4,410 over 20 yrs.
Professional Interpretation
1.20% in fees costs $4,410 over 20 yrs.
How this is calculated
Market upside minus contract drag.
What drives the result
Discounting prices future payouts; mortality credits and pooling fund guarantees. Compare implied rates, net-of-fee growth and coverage ratios before signing.
Recommendations
- •A 1% fee compounds to ~20% less over 25 yrs.
- •Compare subaccount + rider fees separately.
Educational Content
Introduction
Annuities trade lump sums for guaranteed streams; insurance trades small premiums for large contingent benefits. Both shift risk to an insurer for a price - the calculators here show the price, the payout and the breakeven.
Concept Explanation
Discounting prices future payouts; mortality credits and pooling fund guarantees. Compare implied rates, net-of-fee growth and coverage ratios before signing.
Applications
Benefits
- •Guaranteed income math made explicit
- •Needs-based coverage sizing
- •Fee and gap visibility
Limitations
- •Illustrated rates are not guaranteed
- •Health class and underwriting move real quotes
- •Tax treatment simplified
Best Practices
- •Match guarantee periods to needs
- •Buy term for temporary needs
- •Review coverage yearly
Common Misconceptions
Practical Tips
- •Split base vs rider fees.
Common Mistakes
Assumptions
This calculator makes the following assumptions to provide estimates:
Limitations
Be aware of these limitations when using this calculator:
Frequently Asked Questions
Answers to common questions about this calculator.
Fee impact?
How accurate is the variable annuity calculator?
Term or permanent?
How much coverage?
Related Guides
Deepen your understanding with these educational resources.
Glossary
Technical terms used in mortgage calculations explained in plain language.
- Annuity
- Equal payments each period; immediate starts at once, deferred starts later.
- Future value
- What premiums grow to with crediting and compounding.
Authoritative References
Trusted sources and standards referenced by this calculator.
Applicable Standards
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Page Information
2026-09-23
2.0.0
Free to use for educational and professional purposes.