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Retirement

Annuity Calculator

Estimate the future value of recurring annuity contributions plus an initial balance.

Best for: Project the future value of recurring annuity contributions plus an initial balance.

Your assumptions

Calculate your estimate

Your result

Annuity estimate

Projected balance
$372,974.14
Total contributions
$230,000.00
Estimated growth
$142,974.14

Where the projected balance comes from

How to use this annuity calculator

Use this annuity calculator to project how an initial balance and regular contributions could grow over time. The mathematical estimate does not model insurer guarantees, surrender charges, riders, commissions, taxes, inflation, or product-specific crediting rules.

  1. 1

    Enter the funding plan

    Add the initial balance, recurring contribution, time horizon, and a return assumption consistent with the product or investment being modeled.

  2. 2

    Separate contributions from growth

    Compare total deposits with projected growth to see how much of the estimate depends on return assumptions.

  3. 3

    Test fees and lower returns

    Reduce the net return or contributions to create a conservative case before comparing products.

Worked planning example

Example: regular contributions over a long horizon

Set up

Enter an opening balance, monthly contribution, expected net annual return, and the planned accumulation period.

Compare

Compare the base case with a lower net return and a shorter contribution period.

Takeaway

Long-term projections are highly sensitive to net returns, fees, contribution consistency, and time.

Match the model to the actual annuity contract

Annuity is a broad product category; guarantees and costs depend on the contract and insurer.

  • Review surrender periods, fees, riders, and liquidity limits.
  • Confirm whether returns are fixed, indexed, variable, or guaranteed.
  • Evaluate insurer claims-paying ability and tax treatment.

Calculation methodology and assumptions

For this annuity estimate, Silvia uses initial balance, monthly contribution, annual return, accumulation period. Estimate the future value of recurring annuity contributions plus an initial balance. Results are estimates, not quotes, tax advice, or investment recommendations.

Frequently asked questions

What type of annuity does this calculator model?

It models the future value of a starting balance plus recurring contributions at a steady assumed return. It does not reproduce a specific insurance contract.

Does the projection include annuity fees?

Not separately. Use a return assumption after expected contract and investment costs, then verify actual charges in the contract disclosure.

Is the projected return guaranteed?

No. The result follows the rate you enter. Guarantees, participation rates, caps, floors, and investment performance depend on the product and insurer.

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