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.

Project returns on a fixed indexed annuity with cap, participation and floor rates linked to an index such as the S&P 500. See the year-by-year crediting filter, compare it with the direct index and a plain fixed annuity.

Calculate periodic payments from immediate annuities with interactive charts, payment schedules, step-by-step calculations, and principal vs interest breakdown analysis.

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.