Free Annuity Analysis Tools
What is your annuity really paying you?
Two tools in one: calculate the true implied IRR on any income annuity or pension, and model how cap rates, spreads, and participation rates affect credited returns across 64 FIA indexes — with side-by-side comparison and $100K growth charts.
Income & IRR Calculator
Open calculatorThe only free tool that solves for the true implied rate of return on any income annuity, deferred annuity, or pension offer — and grades it against current alternatives.
True Yield — Not Payout Rate
That 7% payout rate you’re seeing includes return of your own principal. We solve for the real implied IRR so you know what you’re actually earning.
Benchmark Against the Market
Your result is graded against top MYGAs, 10-yr Treasuries, and 5-yr CDs in real time — so you can see whether your annuity is actually competitive.
Works for Pensions Too
Evaluating a pension buyout or lump sum vs. monthly income? Enter the numbers the same way — the present value math is identical.
No Sales Agenda
We don’t sell annuities, earn commissions, or refer leads. The tool exists to help you make a better-informed decision, full stop.
FIA Index Performance Calculator
Open calculatorFixed Indexed Annuities credit interest based on an index — but caps, spreads, and participation rates mean you rarely capture the full return. Model exactly what you would have received, historically, across 64 indexes.
64 Indexes — Searchable
From S&P 500 and Nasdaq-100 to proprietary indexes like JPM Mozaic II, Bloomberg Dynamic Balance II, and Goldman Sachs New Horizons. Search by name or issuer instantly.
Model Any Crediting Method
Enter a cap rate, spread, or participation rate and see exactly what would have been credited each year — versus what the index actually returned.
$100K Growth Chart
A visual line chart shows how a $100,000 investment would have grown under the raw index vs. your crediting strategy — making the cost of constraints immediately visible.
Compare Any Two Strategies
Put two different indexes and crediting methods side by side. See which would have credited more, and by how much, across the same historical period.
Learn
Guides written by a licensed professional who has reviewed thousands of contracts.
Ready to find out what your annuity is actually worth?
Both tools are free, require no account, and take under 60 seconds to run.
* Source: MIT research on 20-year deferred annuity IRR averages. For informational purposes only.