Fixed Indexed Annuity Calculator

Have you ever wanted to just look at the numbers for a fixed indexed annuity, but without the sales pressure?  To this point you have to go with a specific company and contract to get an illustration but we just made it easier.  I can’t say whether this is the only one available but I can’t find another fixed indexed annuity calculator. This is not going to show you overblown projections, rather it will be a realistic look at what you can expect in relation to the stock market or even fixed rate investments.  I’m going to explain it so you understand what this is and what it is not.  Then we can answer a couple of big questions by comparing the difference between bonus products and non-bonus products.  This is going to be a great way to analyze your options before making a commitment.

This calculator is going to use nothing more than the S&P 500.  In reality it’s about the only index available that has a significant track record.  Many of the other indexes were created recently and used backtesting to produce historical data.  I want real data, not something invented to make the product look good.  There are times when one of the new indexes will produce very good yields so if that’s available in the annuity you actually buy, then your experience could be better or worse than the data shown from this calculator.  Just don’t get carried away with your expectations.

Check it out here: Fixed Indexed Annuity Calculator

It is simple to use and will answer a lot of questions.  Most importantly, is this something worth your money in retirement?

  1. Enter the investment amount
  2. Choose your duration from five, seven, or ten years
  3. Which market period do you want to compare it to?  Choose the start year
  4. Enter your cap and/or participation rate but be realistic
  5. Choose allocation percentages between cap and participation

Then you’ll hit the submit button and look at the results.  The effective rate of return and ending account balance is shown for both the annuity and the S&P 500 market investment.  The table shows you how each would accumulate over time.  You can quickly run a different scenario by clicking the button at the top of the page “Run Another Calculation”.  It’s a good idea to run several different market scenarios to see how the annuity performs.  In volatile periods the annuity outpaces the market but in periods with extended market performance the annuity doesn’t keep up.  This shows you that a fixed indexed annuity isn’t necessarily a market alternative but it’s a great way to diversify and replace bonds in a portfolio.

Bonuses have always been a hot topic and an easy sales pitch in the dinner seminar game.  The person presenting almost never shows you an alternative without the bonus.  I’ve explained what you have to give up to get a bonus and now you can see the effect and play with the numbers.  A bonus gives you lower growth potential because the money has to come from somewhere.  A fixed indexed annuity without a bonus has higher growth potential.  Which is better in the long run?  Hopefully you’ll find that it’s the personal situation that determines whether a bonus is the best idea, not the growth over time.

Most people aren’t going to know what rates to use and we will have a solution for that shortly.  Watch the video for a good demo with current rates available.  What’s unique about this is that you can go back 100 years in the stock market and have fun with the comparisons.  All other fixed indexed annuity illustrations from an insurance company simply offer the past 10 or 15 years so you can get a much better idea how the products are supposed to work in different market scenarios.  Just remember that this is a tool to help you think about what is best for you.  It is not a quote and it is not guaranteed.

Are you tired of market risk?  Returns have been exceptional in the past few years but it may not last forever.  Do you want a more versatile option than bonds or MYGAs in your portfolio?  Fixed indexed annuities have a protected downside and double digit gains are possible.  Do you want to cut fees in your portfolio?  Most fixed indexed annuities come without fees and will make your portfolio more efficient.  There are many ways to use the product so play with the calculator a little and get on my calendar if you want to create a retirement strategy using any type of annuity.

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Have a great weekend!

Bryan

Last Updated on June 28, 2026 by Bryan Anderson