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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
1.29%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$64,958
Alternative option minus annuity option after 20 years.
Annuity-fee scenario
$237,051
$49,413 in modeled fees · 4.41% net/yr
Comparison-fee scenario
$302,009
$11,306 in modeled fees · 5.68% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 16 | $199,468 | $242,112 | $42,644 |
| 17 | $208,265 | $255,869 | $47,604 |
| 18 | $217,449 | $270,407 | $52,958 |
| 19 | $227,039 | $285,772 | $58,733 |
| 20 | $237,051 | $302,009 | $64,958 |
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.