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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
0.55%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$64,247
Alternative option minus annuity option after 15 years.
Annuity-fee scenario
$818,475
$80,918 in modeled fees · 6.92% net/yr
Comparison-fee scenario
$882,722
$42,181 in modeled fees · 7.46% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 11 | $626,282 | $661,967 | $35,685 |
| 12 | $669,620 | $711,350 | $41,730 |
| 13 | $715,958 | $764,417 | $48,459 |
| 14 | $765,502 | $821,442 | $55,940 |
| 15 | $818,475 | $882,722 | $64,247 |
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.