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Fixed Annuity Calculator (7 Years, 0% Floor)

Subtract D&I drag (1–2%), apply cap (≤ 9%), enforce a 0% floor. Educational illustration only.

Inputs

Rule: at least 2 years = 0.00%
$
We’ll format this value automatically.
Maximum positive credited rate in a year.
Subtracted from the raw index return before the cap and floor are applied.

Index Returns

Enter 7 annual returns
Ready to calculate?
Tap below to see results.
Credited Rate = max(0%, min((Index Return − D&I Drag), Cap)). Floor prevents negative credits.

Results

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Ending Value
—
Total Interest
—
Avg Credited
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CAGR
—
If Chart.js is blocked, results still calculate; only the chart won’t render.
YearCredited %StartInterestEnd
Mobile view uses “year cards” for readability. Desktop also shows a compact table.