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Fixed Annuity Calculator

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Fixed Annuity Calculator (7 Years, 0% Floor)

Enter hypothetical index returns (7 years). We subtract a required Dividends & Interest drag (1–2%) from the index return, apply the cap (≤ 9%), and enforce a 0% floor.

$
Type numbers only; we’ll format automatically.
This is subtracted from the raw index return before crediting.
Rule: At least two years must be exactly 0.00%. Cap ≤ 9%. Floor = 0% after drag.

Illustrative only; not product advice. Cap and floor rules vary by contract.

ENDING VALUE

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TOTAL INTEREST CREDITED

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AVERAGE CREDITED (ARITH.)

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CAGR (CREDITED)

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Year Index Return − D&I Drag Net Before Cap Cap Applied Credited Rate Start Value Interest End Value
Credited Rate = max(0%, min(Net Before Cap, Cap)). Floor prevents negative credits.

Market Comparison (No Floor, No Drag)

Same starting principal and the same 7 annual returns, compounded with no cap, no floor, no dividend/interest drag, and no withdrawals.

FIA Ending

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Market Ending

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FIA Total Gain %

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Market Total Gain %

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FIA CAGR

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Market CAGR

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Year FIA End Value Market End Value Difference (Market − FIA)
Line: Account Value (left axis). Bars: Credited Rate (right axis).
Show a worked math example

Run a calculation first to populate this example.

Definitions

Cap Rate
The maximum positive rate that can be credited in a year. If the net return exceeds the cap, credited rate is limited to the cap.
0% Floor
Negative results do not reduce the account; if the net return after deductions is negative, the credited rate is 0%.
Dividends & Interest (D&I) Drag
A required deduction (1–2%) taken from the raw index return before any cap is applied.
Net Before Cap
Net Before Cap = Index Return − D&I Drag
Credited Rate
Credited Rate = max(0%, min(Net Before Cap, Cap))
CAGR (Credited)
Compound annual growth rate based on credited results: CAGR = (Ending / Starting)^(1/7) − 1
For educational purposes only. Please refer to the carrier for product-specific illustration.

Frequently Asked Questions

Yes, all calculators on the site are completely free to use.  You don’t need to sign up or provide any personal information.

The calculators provide estimates only.  They are based on the numbers you enter and standard formulas (such as compound interest or amortization schedules).  Actual results may vary depending on factors like taxes, fees, or individual financial circumstances.

The calculators are designed to help you explore scenarios and compare options. They are not a substitute for personalized financial advice. For a detailed plan tailored to your goals, we recommend scheduling a consultation.

Most calculators do not automatically include taxes or inflation unless specifically stated.  You can often adjust the interest rate or contribution assumptions to approximate these factors.

Yes, some calculators allow you to choose how interest is compounded (monthly, quarterly, annually, etc.).  This flexibility helps model real-world savings and investment scenarios more accurately.

That’s common! These tools are meant to give you a baseline estimate. If your situation involves unique factors (tax rules, irregular cash flows, multiple accounts), schedule a conversation so we can customize the numbers.

No.  All calculations run in your browser. We do not save or transmit your inputs.

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