Free interactive widget
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
1.06%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$15,226
Alternative option minus annuity option after 10 years.
Annuity-fee scenario
$143,636
$15,532 in modeled fees · 3.69% net/yr
Comparison-fee scenario
$158,863
$3,262 in modeled fees · 4.74% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 6 | $124,268 | $132,012 | $7,744 |
| 7 | $128,850 | $138,266 | $9,416 |
| 8 | $133,601 | $144,816 | $11,215 |
| 9 | $138,528 | $151,677 | $13,149 |
| 10 | $143,636 | $158,863 | $15,226 |
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.