To get an accurate result, you need:

1. Current Age & Retirement Age (e.g., 55 and 65).
2. Current Savings Balance (401k, IRA, Savings).
3. Annual Contributions (how much you save yearly).
4. Expected Rate of Return (conservative est. 5-7%).
5. Income Replacement Needs (e.g., 80% of current salary).‍
6. Inflation Assumption (Standard is 3% for 2026 planning).

To find the breakeven point (when you've received back more than you paid plus fees):

Divide your Premium Paid by the Annual Guaranteed Income.

Example: $100,000 premium / $6,000 annual income = 16.6 years.

If the rider fee is 1%, the breakeven is pushed out further. You need to live past this point to "beat" the insurer.

Yes, an "Inflation Impact Calculator."

• Formula: PV = FV / (1 + r)^n
• Example: To match the buying power of $50,000 today in 20 years with 3% inflation, you would need roughly $90,300 of income.Using this calculator helps determine if a fixed annuity payment will be sufficient in your 80s.

1. Determine Cash Value: Total account balance.
2. Subtract Basis: The total premiums paid (net of prior withdrawals).
3. Result: The "Gain."Example: Cash Value $150,000 - Basis $100,000 = $50,000 Taxable Gain.Note: If you are under 59½, apply 10% penalty to the $50,000 gain.

1. Find Account Balance: Value on Dec 31 of the prior year (2025).
2. Find Divisor: Look up your age in the IRS Uniform Lifetime Table (e.g., Age 75 = 24.6).
3. Calculate: Balance / Divisor = RMD.Example: $500,000 / 24.6 = $20,325.Most online RMD calculators will auto-fill the divisor based on your birth date.

This tool helps you see what you would walk away with if you cancelled your contract today. It takes the Current Account Value and subtracts the Surrender Penalty % and any Market Value Adjustment (MVA).

• Input: Policy Year, Initial Premium, Current Rate.
• Output: Net Cash Surrender Value.
  It is critical to run this before cancelling to avoid surprise losses.

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