Annuity Calculator

Calculate annuity growth and payout projections for accumulation and distribution phases Free, fast, and private — runs entirely in your browser.

Calculator Mode

Accumulation Phase Inputs

Starting Amount ($)

Monthly Contribution ($)

Annual Return Rate (%)

Years to Grow

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Enter your savings details above and click Calculate to see future value projections, growth charts, and annuity comparisons.

Key Assumptions & Notes

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.

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How to Use Annuity Calculator

1Enter your values in the input fields.
2Adjust settings and options as needed.
3View your results instantly below.
4Copy or share your results.

Frequently Asked Questions

How does the Annuity Calculator work?▾

Enter your values into the calculator fields, and results update instantly. All calculations run in your browser — no data is sent to any server.

Is the Annuity Calculator free?▾

Yes, completely free with no sign-up required. Use it as many times as you need.

How accurate is the Annuity Calculator?▾

Our calculator uses standard formulas and up-to-date data. Results are estimates — consult a professional for decisions involving significant money or health.

Can I save my calculation results?▾

You can copy or screenshot your results. The calculator runs locally in your browser, so your data is never stored on our servers.

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About Annuity Calculator

Calculate annuity growth and payout projections for accumulation and distribution phases Free, fast, and private — runs entirely in your browser.

NexTool's Annuity Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.