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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
0.87%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$146,426
Alternative option minus annuity option after 10 years.
Annuity-fee scenario
$1,743,441
$167,001 in modeled fees · 5.72% net/yr
Comparison-fee scenario
$1,889,867
$57,952 in modeled fees · 6.57% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 6 | $1,395,868 | $1,465,071 | $69,203 |
| 7 | $1,475,656 | $1,561,356 | $85,700 |
| 8 | $1,560,004 | $1,663,968 | $103,964 |
| 9 | $1,649,174 | $1,773,324 | $124,150 |
| 10 | $1,743,441 | $1,889,867 | $146,426 |
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.