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
1.02%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$76,620
Alternative option minus annuity option after 15 years.
Annuity-fee scenario
$496,118
$69,755 in modeled fees · 4.68% net/yr
Comparison-fee scenario
$572,737
$18,062 in modeled fees · 5.68% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 11 | $413,250 | $459,146 | $45,897 |
| 12 | $432,569 | $485,235 | $52,666 |
| 13 | $452,792 | $512,806 | $60,014 |
| 14 | $473,960 | $541,944 | $67,984 |
| 15 | $496,118 | $572,737 | $76,620 |
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.