Annuity Calculators

Work out annuity payouts and the depletion timeline for a self-managed retirement account. Solve for how long the money lasts, the safe monthly withdrawal, or the principal needed, with inflation-adjusted values and a yearly table.

Enter your premium, term, cap rate, participation rate, and floor to project indexed annuity returns and compare them with a fixed annuity or direct index.

Turn a lump sum into annuity income: enter the premium, interest rate and term to see the monthly or yearly payout, a full payment schedule and how each payment splits between principal and interest.

Calculate the present value of annuity due (PVAD) with step-by-step formulas, payment schedule, timeline visualization, and comparison with ordinary annuity.

Calculate the present value of ordinary and annuity due with interactive payment timeline, detailed breakdown tables, and comprehensive financial analysis including PVIFA factors.

Calculate the present value of a growing annuity (PVGA) with step-by-step formulas, interactive cash flow timeline visualization, and detailed payment schedule analysis.

Calculate the present value interest factor of annuity (PVIFA) with interactive visualization, period-by-period breakdown, and practical annuity valuation examples.

Model the future value and lifetime income of a variable annuity across bear, base and bull scenarios. See how the M&E, administrative, fund and rider fee stack erodes returns, then project annuitized income at retirement.