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Insurance & Protection · Annuities

Variable Annuity Calculator

Project the accumulated value of a variable annuity after sub-account returns, annual fees and any surrender charge.

  • Free to use here · embed on the Business plan
  • 5 inputs · 3 results
  • English & Spanish

Try the Variable Annuity Calculator

See your annuity's projected value — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Variable Annuity calculator works out

The Variable Annuity Calculator is a free, embeddable calculator from CalcFunnel. Project the accumulated value of a variable annuity after sub-account returns, annual fees and any surrender charge.

You enter 5 inputs: initial premium, years, gross annual return (%), annual fees (%) and surrender charge (%).

It returns account value, surrender value and cost of fees (Lost growth).

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Account Value
  2. 02Surrender Value
  3. 03Cost of Fees (Lost Growth)

The first figure — account value — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Premium

Initial Premium
The lump sum you put into the annuity.
Years
How long the money accumulates.

Return, Fees & Surrender

Gross Annual Return (%)
The sub-account return before fees.
Annual Fees (%)
Combined mortality, expense and fund fees charged each year.
Surrender Charge (%)
The surrender charge that would still apply if you cashed out at the end of this period (0% once the surrender schedule has expired).

For your website

Embed this calculator on your website

Put the Variable Annuity Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Variable Annuity calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Variable Annuity Calculator calculate?
Project the accumulated value of a variable annuity after sub-account returns, annual fees and any surrender charge. It returns account value, surrender value and cost of fees (Lost growth).
Q.02What information do I need to use the Variable Annuity Calculator?
You enter 5 inputs: initial premium, years, gross annual return (%), annual fees (%) and surrender charge (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Initial Premium” mean in the Variable Annuity Calculator?
The lump sum you put into the annuity.
Q.04What does “Years” mean in the Variable Annuity Calculator?
How long the money accumulates.
Q.05Is the Variable Annuity Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Variable Annuity Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Variable Annuity Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Variable Annuity results financial advice?
No. Estimates only. Assumes a constant gross return and level annual fees; actual sub-account performance, rider charges and tax treatment vary.

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The Variable Annuity Calculator is one of 188 calculators you can brand and embed with one line of code.

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