Use our free Annuity Calculator to lump vs payments. All calculations and processing are performed directly in your browser for maximum privacy and speed. No data is sent to any server, and no information is stored or logged. No account or signup required — just open the tool and get started instantly.
Yes, Annuity Calculator is completely free to use. There are no hidden charges, no premium tiers, and no usage limits. Use it as many times as you need.
Yes. All processing happens directly in your browser using JavaScript. No data is uploaded to any server, no files leave your device, and nothing is stored or logged.
Projections are based on historical averages and assumptions about returns, inflation, and contributions. Actual results will vary. Use these as planning tools and consult a financial advisor for personalized retirement planning.
No, absolutely not. No account, no email, no signup of any kind is required. Just open the tool and start using it immediately. We believe tools should be accessible to everyone without barriers.
Yes, Annuity Calculator is fully responsive and works on all devices including smartphones, tablets, laptops, and desktops. It works in any modern browser including Chrome, Firefox, Safari, and Edge.