Fixed Index Annuity Calculator

See the range of outcomes — from a down market to a great one — with a cap and a 0% floor.

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The most you can earn in one year, no matter how high the market goes. See today’s California caps.

Usually matches the surrender period of the annuity.
More options (participation & spread)
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The share of the index gain you get credited. Most cap strategies use 100%.

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Some strategies subtract a spread from the gain. Leave at 0 if yours has a cap instead.

If the market falls every year

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Your money doesn’t go down

Up-and-down market example

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If the market beats the cap every year

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The most it could be

Account value under three market scenarios

Market beats cap every yearUp-and-down exampleMarket falls every year
How the up-and-down example works, year by year
YearIndex change (example)You’re creditedAccount value

Caps change often and vary a lot between companies. I’ll show you which California FIAs have the best cap for your term.

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For education only — not a quote, offer, or illustration of any specific annuity. The “up-and-down” market is a made-up example sequence of yearly index changes, not historical data and not a prediction. Assumes annual point-to-point crediting, the same cap every year (real caps can change at each renewal), no withdrawals, and no rider fees. Guarantees depend on the issuing insurance company’s claims-paying ability. Kevin Edwards, Integrity Now Insurance Brokers, CA License #0D42517.

Free fixed index annuity calculator by Fixed Annuity Expert

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