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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
0.81%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$36,813
Alternative option minus annuity option after 12 years.
Annuity-fee scenario
$387,330
$44,248 in modeled fees · 5.66% net/yr
Comparison-fee scenario
$424,143
$18,549 in modeled fees · 6.47% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 8 | $310,740 | $330,130 | $19,390 |
| 9 | $328,336 | $351,473 | $23,137 |
| 10 | $346,928 | $374,196 | $27,268 |
| 11 | $366,572 | $398,387 | $31,815 |
| 12 | $387,330 | $424,143 | $36,813 |
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.