🌊 Annuities

Annuity Income Scenario Calculator

Create a simplified annuity-income scenario from capital and an assumed payout rate.

Enter your assumptions

This calculator is for financial math and protection-gap scenarios only. It is not an insurer quote, underwriting decision, or claim determination.

Capital / policy value at payout start

Assumed first-year payout rate (%)

Assumed annual payout growth (%)

Projection years

Average monthly cash flow in year one

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Year-one annual payout—

Final-year annual payout—

Cumulative payouts—

Projection period—

Do not use this result as a substitute for policy terms, formal insurer illustrations, or professional advice.

What is this tool for?

It converts household obligations or policy cash flows into comparable scenarios. It does not recommend an insurer, product, or coverage amount.

Next step

For an existing policy, request current surrender value, policy value, loan rate, and contract-change illustrations from the insurer before making a formal decision.