Calculate annuity growth and payout projections for accumulation and distribution phases Free, fast, and private — runs entirely in your browser.
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Accumulation Phase: Returns are compounded monthly. The future value assumes consistent monthly contributions and a fixed annual return rate. Actual returns vary based on the annuity type and market conditions.
Distribution Phase: Withdrawals are deducted monthly. Interest continues to accrue on the remaining balance. The 4% rule is a common guideline for sustainable withdrawals but is not guaranteed.
Fixed vs Variable: Fixed annuities offer guaranteed rates (typically 3-5%), while variable annuities are tied to market performance (historically 6-8% average). Variable annuities carry investment risk and typically have higher fees.
Disclaimer: This calculator provides estimates for educational purposes only. It does not account for fees, taxes, surrender charges, or inflation. Annuity products vary significantly. Consult a qualified financial advisor before making annuity decisions.