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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
0.52%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$7,453
Alternative option minus annuity option after 5 years.
Annuity-fee scenario
$292,927
$10,398 in modeled fees · 3.22% net/yr
Comparison-fee scenario
$300,380
$3,502 in modeled fees · 3.74% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 1 | $258,050 | $259,350 | $1,300 |
| 2 | $266,359 | $269,050 | $2,690 |
| 3 | $274,936 | $279,112 | $4,176 |
| 4 | $283,789 | $289,551 | $5,762 |
| 5 | $292,927 | $300,380 | $7,453 |
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.