LEVEL 400 · REDUCE DRAG

Annuity vs. Investing Calculator

Compare modeled after-tax accumulation after fees, surrender charges, bonuses, and different tax treatment.

Compare the same starting amount and withdrawal date. Enter 0 for a fee, bonus or charge that does not apply.

1 · Amount and timeline

Amount investedYears before withdrawal

2 · Annuity assumptions

Upfront annuity bonusPercentage added to the starting amount in this model.Assumed annual annuity growthUse the rate you want to test—not an index’s return or a promise of future crediting.Annual annuity and rider feesExit charge at withdrawalUse the charge for the year you plan to withdraw, not today’s charge.Tax rate on annuity gain

3 · Investment assumptions

Expected market returnAnnual investment feesTax rate on investment gain

Not a product recommendation. Actual annuities may include caps, spreads, participation rates, guarantees, riders, commissions, exclusions, insurer-credit risk, and changing surrender schedules. This simplified comparison assumes a full surrender and treats cash received above the entered premium as taxable gain; it does not model partial-withdrawal ordering or an early-distribution penalty. Tax treatment depends on account type and distribution method.

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