Free interactive calculators for every annuity decision — plus a 30-second finder that matches you to MYGA, FIA, SPIA, or hybrid LTC based on your profile.
10 questions. Get matched to MYGA, SPIA, FIA, FIA+GLWB, or Hybrid LTC. Carrier-specific product picks based on your age, income needs, surrender tolerance, and amount.
Every calculator runs locally in your browser — your numbers never leave your device unless you opt in for Hans's written analysis.
The specific delay-to-70 calc for higher-earning spouses. Includes joint survivor age, spouse impact, RMD before/after, honest cost panel.
🆕 NEW · Most accurate ⚖️State + bracket → exact $ delta over 5 years. Shows MYGA wins ~14% for high-bracket CA residents.
⭐ Most popular 📈Deposit + rate + term → end balance + monthly interest. Compare 2 rates side-by-side.
💵How much monthly income $100K–$1M MYGA generates via 10% free withdrawal.
🎯Age + deposit + payout type → monthly checks for SPIA, DIA, MYGA interest-only.
🌉Delay SS to 70 → MYGA/SPIA bridge amount needed from 62-70.
📅Calculate your RMD + how an income rider eliminates the "sell stocks to pay RMD" trap.
🏥Project IRMAA surcharge → how MYGA/NQ deferral keeps you under the next bracket.
🔄Old surrender charge vs new MYGA's better rate — exact breakeven month.
💼Lump sum vs monthly → IRR + breakeven age table.
🪜$100K–$1M ladder with real 2026 rates. Total interest + maturity timing.
📊Same $ + term → head-to-head net dollars chart with state + bracket inputs.
💸Existing annuity → exact $ surrender hit by year.
⚖️GLWB rider fees vs lifetime SPIA over 15/20/25 years.
📜Lump sum vs 5-year vs stretch via IRS table.
🏠Home sale $ → net after-tax 5-year balance across MYGA, CD, T-bill, HYSA.