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Fee Break-Even Analysis
Compare two annual fee assumptions at the same hypothetical gross return. Every amount and percentage below is your input or a formula result—not a carrier quote or live product value.
Your hypothetical inputs
Projected fee comparison
Fees are deducted after the hypothetical gross change each year.
Extra gross return needed
0.74%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$26,885
Alternative option minus annuity option after 10 years.
Annuity-fee scenario
$368,286
$31,443 in modeled fees · 3.95% net/yr
Comparison-fee scenario
$395,171
$9,761 in modeled fees · 4.69% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 6 | $315,418 | $329,039 | $13,620 |
| 7 | $327,877 | $344,454 | $16,577 |
| 8 | $340,829 | $360,592 | $19,763 |
| 9 | $354,291 | $377,485 | $23,194 |
| 10 | $368,286 | $395,171 | $26,885 |
Formula: each option receives the same hypothetical gross return, then its stated annual fee is deducted from that year’s post-return value. Taxes, withdrawals, bonuses, surrender charges, guarantees, and actual product terms are not modeled.