Free calculators to help you plan your retirement income, compare rates, and estimate growth.
Project how a lump sum grows over your chosen term at a guaranteed fixed rate.
Estimate guaranteed lifetime income from a fixed index annuity income rider.
Find out how much of your Social Security benefits may be subject to federal income tax.
Build a personalized retirement income plan with our step-by-step planning guide.
Annuities come in a handful of distinct flavors, and the right calculator depends on which one you're shopping. Here's a quick map so you can pick the tool that actually answers your question.
A Multi-Year Guaranteed Annuity locks in a single fixed rate for a set term, typically 3 to 10 years. Think of it as a tax-deferred CD issued by an insurance company. Best for savers who want a predictable, contractually guaranteed return.
Run the Fixed Annuity Calculator →FIAs credit interest based on the performance of a market index (like the S&P 500) up to a cap or participation rate, with a 0% floor in down years. Most are bought for the optional lifetime income rider, not the index growth.
Run the Income Rider Calculator →A Single Premium Immediate Annuity converts a lump sum into a guaranteed monthly paycheck that starts within 12 months. Used to cover essential expenses in retirement, fill a Social Security gap, or replace a pension.
Run the SPIA Calculator →Same idea as a SPIA, but income payments start years later (often at 75 or 80) for a much larger paycheck. A QLAC is the IRS-approved version inside a traditional IRA that also reduces your RMDs.
Run the RMD Calculator →Variable annuities invest in mutual-fund-like subaccounts, so your account value rises and falls with the market. They are sold by registered reps under a prospectus and are generally not the right fit for safety-first retirees.
Compare annuity types →A hybrid of FIA and variable. RILAs offer higher upside caps in exchange for a defined buffer or floor of downside risk (you can lose money). Best for buyers who want more growth potential and can stomach some loss.
View FIA & RILA cap rates →
