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.
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.
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 + 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 → 📜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."