Explore Our Real-Time Annuity Calculator with Live Carrier Rates

Discover Your Retirement Potential

Are you curious what an annuity could do for you in today’s market? Whether you're planning for guaranteed lifetime income, growth with downside protection, or a simple fixed return, our advanced annuity calculator uses real data from various carriers to show rates available in the marketplace today. No guesses, just transparent, actionable insights.

Dive into three powerful annuity types with our intuitive three-tab interface: Guaranteed Income, Growth Potential, and Fixed Rate. Below, we’ll walk you through each tab with real examples, so you can see exactly how to use the annuity calculator and uncover opportunities tailored to your goals.

Tab 1: Guaranteed Income Annuity – Lock in Lifetime Payments

The Guaranteed Income tab focuses on income annuities (also known as immediate or deferred income annuities). This is ideal if you want predictable, lifelong income that can never be outlived.

How to Use It:

1. Premium Amount – Slide to your investment (e.g., $100,000)

2. Current Age – Select your age (e.g., 54)

3. Deferral Years – Choose how long to wait before starting income (0 = immediate)

Insight: Every year you defer, your benefit base grows by 15%, boosting both your payout ratio and guaranteed annual income.

Real Example:

• Age: 54

• Premium: $100,000

• Deferral: 10 years

Result: $14,707.50 per year for life starting at age 64 That’s tax-efficient, inflation-resistant income you can’t outlive, powered by today’s top carrier rates.

Tab 2: Growth Potential – Growth Annuity with 0% Floor

Switch to the Growth Potential tab to explore indexed annuities. These offer upside market exposure with no risk of loss, perfect for conservative growth seekers.

Key Inputs:

• Premium Amount (e.g., $100,000)

• Cap Rate – Toggle between 6% and 11% (current market caps)

• Projection Years – 5 to 30 years

What’s a Cap?
If the S&P 500 rises 15% but your cap is 9%, you earn 9%. If the market drops? You earn 0%, never a loss.

See 3 Market Scenarios Instantly:

Scenario Outcome (after selected years)

Bull Market Strong compounded growth within cap

Flat Market Steady crediting near cap average

Bear Market Still above $100,000 – thanks to 0% floor

Even in a bear market, your principal is protected and grows over time. Try different caps and timelines in the annuity calculator to model your ideal scenario.

Tab 3: Fixed Rate Annuity – Simple, Guaranteed Returns

The Fixed Rate tab is straightforward: MYGAs (Multi-Year Guarantee Annuities) with today’s best fixed rates.

How to Use:

1. Enter Premium Amount

2. Select Rate Lock Period (3–20 years)

Live Rate Example:

That’s $100,000 growing to ~$159,000 in 10 years, guaranteed, no market risk, no fees eating your returns.

Why Use Our Annuity Calculator Today?

• Real Carrier Rates – Updated with live market data

• No Obligations – Instant quotes, zero pressure

• Compare All 3 Annuity Types Side-by-Side

• Perfect for Ages 54–85 Planning Retirement Income

• Know what's available before you meet with an advisors

Click here to access the annuity calculator. If you feel the results may compliment your overall portfolio, click below to schedule a call to see how you can get started.