Why fixed values can differ
Review compounding, term dates, withdrawals, surrender charges, and market value adjustments.
Read about fixed annuitiesWork through the numbers
Educational tools
Use simple worksheets to organize questions about fixed growth and retirement income. Results are illustrations, not quotes, forecasts, or recommendations.
Before using these tools: do not enter account numbers, contract numbers, Social Security numbers, names, or other sensitive information. Calculations stay in your browser and are not submitted to us.
Guaranteed growth estimator
Illustrate annual compounding for a hypothetical fixed rate. Actual annuity values depend on the contract's crediting method, dates, withdrawals, charges, and adjustments.
Illustrated ending value$0
Illustrated interest: $0
Not included: withdrawals, taxes, surrender charges, market value adjustments, rider fees, partial-year crediting, bonuses, and contract-specific compounding.
Monthly retirement income gap
Compare essential monthly expenses with income sources you consider reliable. This worksheet does not decide whether an annuity or another approach should address a gap.
Estimated essential-income gap$0 per month
Reliable income entered: $0
Expense coverage: 0%
Not included: taxes, inflation, changing health costs, irregular expenses, investment withdrawals, survivor changes, and emergency reserves.
Use results responsibly
A worksheet starts a conversation
It does not choose a contract, predict a lifespan, or establish suitability.
- Check the inputs. Use current statements and a realistic essential-expense estimate.
- Test more than one scenario. Consider lower income, higher expenses, inflation, or a survivor's situation.
- Protect liquidity. Keep emergency and near-term needs separate from money considered for a restricted contract.
- Bring written questions. Compare calculations with the insurer's official illustration, disclosure, and contract.
Next reading
Match the tool to the concept
How lifetime income is priced
Learn why payment amount depends on age, start date, payout option, and insurer pricing.
Read about lifetime incomeHow to compare terms
Use timing, access, rate certainty, and renewal risk rather than headline rate alone.
Compare termsUse the tools in a group setting
Request an educational workshop that walks through the calculations and the contract questions behind them.