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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
0.8%
For the annuity fee scenario to match the comparison fee scenario.
Ending-value gap
$178,491
Alternative option minus annuity option after 20 years.
Annuity-fee scenario
$1,096,088
$148,557 in modeled fees · 4% net/yr
Comparison-fee scenario
$1,274,579
$33,959 in modeled fees · 4.79% net/yr
| Year | Annuity-fee value | Comparison value | Value gap |
|---|---|---|---|
| 16 | $936,851 | $1,057,030 | $120,179 |
| 17 | $974,348 | $1,107,662 | $133,314 |
| 18 | $1,013,347 | $1,160,719 | $147,372 |
| 19 | $1,053,906 | $1,216,318 | $162,412 |
| 20 | $1,096,088 | $1,274,579 | $178,491 |
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.