Every calculator you need to evaluate annuities, CDs, MYGAs, and retirement income, plus the Big Kahuna 30-second Annuity Finder that matches you to the right product.
A calculator uses assumptions. Send your email and I'll run your actual numbers against today's real carrier rates and send back what the contract would actually pay.
We’ll email it to you. Hans reads every one himself and replies within one business day. Hans Goldstein · NPN 20602398.
Rather talk it through? Or book 15 minutes on Hans’s calendar.
10 questions. Get matched to MYGA, SPIA, FIA, FIA+GLWB, or Hybrid LTC, with carrier-specific product picks based on your age, income needs, surrender tolerance, amount, and risk profile.
Every calculator runs locally in your browser, your numbers never leave your device unless you opt in for Hans's written analysis with live carrier rates.
Tax-free vs taxable share of each payment, IRS Table V built in.
Calculate → %Split across 3, 5 and 7-year MYGAs and see what matures when.
Calculate → ⭐ #1 ⚖️State + bracket → exact $ delta over 5 years. Shows MYGA wins ~14% for high-bracket CA residents.
Run the math → 📊Same $ + term → head-to-head net dollars chart with state + bracket inputs.
Compare → 💼Lump sum vs monthly → IRR + breakeven age table by age cohort.
Calculate →Deposit, rate and term: end value, interest-only and level monthly income, and an after-tax CD comparison.
Calculate → $Monthly lifetime income by age, sex and payout option, from a dated September 2026 payout survey.
Estimate income → 📈Deposit + rate + term → end balance + monthly interest. Compare 2 rates side-by-side.
Project growth → 💵How much monthly income $100K–$1M MYGA generates via the 10% annual free withdrawal.
Estimate income → 🎯Age + deposit + payout type → monthly checks for SPIA (life), DIA (deferred), MYGA (interest-only).
Get payout →Project IRMAA surcharge → see how MYGA/NQ deferral keeps you under the next Medicare bracket.
Check IRMAA → 📅Calculate your RMD + see how a deferred annuity income rider eliminates the "sell stocks to pay RMD" trap.
Plan RMDs → 🌉Delay SS to 70 → MYGA/SPIA bridge amount needed from 62-70 to cover the gap.
Build bridge → %Tax on a withdrawal, surrender, annuitized payments or a 1035 exchange, with the 10% under 59 1/2.
Calculate tax → 📜Lump sum vs 5-year vs stretch via IRS table. Bracket-by-bracket tax owed.
Calculate tax → 🏠Home sale $ → net after-tax 5-year balance across MYGA, CD, T-bill, HYSA.
Run scenarios →Old annuity surrender charge vs new MYGA's better rate, exact breakeven month.
Find breakeven → 💸Existing annuity → exact $ surrender hit if you cash out in year 1, 2, 3, etc.
Compute hit → ⚖️GLWB rider fees vs lifetime SPIA over 15/20/25 years, which beats?
Compare → 🪜$100K–$1M ladder with real 2026 rates; total interest + maturity timing schedule.
Build ladder →Send the carrier + product + amount. Hans will pull live rates, run the math live with you on a call, and tell you the exact carrier to go with, or honestly say "not yet."
Hans Goldstein is an Enrolled Agent, admitted to practice before the Internal Revenue Service. Not affiliated with or endorsed by the IRS. General education, not tax or legal advice for your situation.