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Fixed Indexed Annuity (FIA) Calculator

Runs a real index path through the crediting filter in the order the contract applies it — index return × participation rate, then the cap, then the floor — and shows what each stage removed, year by year, beside a plain fixed annuity. Historical S&P 500 paths included; the filter lab traces one sample year through all four stages.

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Fixed Indexed Annuity (FIA) Calculator is free to use as often as you like, directly from this page. Its place is under Retirement; Annuity Payout Calculator and Immediate Annuity Calculator answer the questions closest to this one.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Fixed Indexed Annuity (FIA) Calculator?

Runs a real index path through the crediting filter in the order the contract applies it — index return × participation rate, then the cap, then the floor — and shows what each stage removed, year by year, beside a plain fixed annuity. Historical S&P 500 paths included; the filter lab traces one sample year through all four stages.

When would I actually use this?

Checking whether the pot is on track, testing how long it lasts at a chosen withdrawal rate, and seeing what a few more years of contributions change.

What is the most common mistake?

Assuming an average return arrives evenly. A poor decade at the start of drawdown does far more damage than the same decade at the end, even when the average is identical.

How is Fixed Indexed Annuity (FIA) Calculator different from Annuity Payout Calculator?

They sit next to each other but answer different questions: Annuity Payout Calculator is the one to open when you need it to solves any of the three questions a pot of capital raises: how long it lasts at a given withdrawal, how much you can withdraw for a chosen number of years, or how much principal a target income needs. Prints the full depletion schedule and restates every figure in today's money at your inflation rate. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Immediate Annuity Calculator is the closest one after this: The payment that exhausts a lump sum exactly over a chosen number of years: PMT = P·r / [1 − (1+r)⁻ⁿ]. Monthly, quarterly or annual, payment at the end or at the start of the period, with the year-by-year balance table and the split between capital returned and interest earned.

What else is worth having open alongside it?

Present Value of an Annuity Due Calculator and Present Value of a Growing Annuity Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The projection is arithmetic on the return and inflation you assume. State pensions, tax on withdrawals and life expectancy are not modelled, and none of this is advice on your own retirement.

Further reading

All guides →
ExplainerAnnuities: What You Are Actually BuyingAn annuity's price is a present value over a probability-weighted term. On a stated mortality at 4 percent, $100,000 at 65 buys $7,492 a year — 4.00 points of interest, 1.78 of returned capital and 1.71 of mortality credit.ComparisonLife Assurance or a Pension Plan: the Lock-Up Decides, Not the Tax BreakScore both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.ExplainerThe 4 Percent Rule Is a Result From One Country and One CenturyThe rule is the output of a named backtest on US data. Its inversion, 1 ÷ w, gives the multiple: 25× at 4 percent, 33.3× at 3 percent. And two paths with the same 4.7676 percent geometric mean end one at zero and one at $2,031,661.ComparisonRegulated Savings, a Euro Fund or a Fixed-Term Deposit: the Ranking Inverts TwiceThe product paying the second-highest headline rate finishes last, and the reason is a tax change that took effect in January 2026. The three French savings vehicles scored on identical criteria: rate, tax, net return, real return, and what each one costs you in access.GuideBuying Back Retirement Quarters or Points: From What Age It Stops PayingThe usual advice is that a buy-back gets worse with age, because the price rises. The French scale is written to be actuarially neutral, so that is not quite what is happening — and once you see what actually moves the answer, the decision changes. Computed on the current parameters.ExplainerPresent Value vs Future Value: Why Money in Thirty Years Is Worth About an Eighth of Its FacePV = FV ÷ (1+r)^n. At 7 percent over 30 years the discount factor is 0.131, so a promise of $100,000 in thirty years is worth $13,137 today — and $41,199 if you assume 3 percent instead.