Fee drag calculator
Transparent formula calculator using the inputs below. No carrier rate table is used or exposed.
Break-even credit
1.27%
Needed to offset fee
Principal lost
$29,550
Total fees
$29,550
11.8% of premium
Final value
$220,450
88.2% retained
| Year | Credit | Fee | Value |
|---|---|---|---|
| 1 | $0 | $3,125 | $246,875 |
| 2 | $0 | $3,086 | $243,789 |
| 3 | $0 | $3,047 | $240,742 |
| 4 | $0 | $3,009 | $237,732 |
| 5 | $0 | $2,972 | $234,761 |
| 6 | $0 | $2,935 | $231,826 |
| 7 | $0 | $2,898 | $228,928 |
| 8 | $0 | $2,862 | $226,067 |
Credited rate is min(index return, cap), floored at 0%. Rider fee is deducted after credited interest each year.
Use it to see the crediting rate needed to overcome the rider charge, how fees compound in flat years, and how much account value remains before comparing actual products on AnnuityRatesHQ.