Annuity Insurance Return Calculator
Find the true annual return of an annuity or guaranteed-income plan, after accounting for how long your money is locked in before payouts begin.
Paid once a year.
Your effective annual return
11.40%
Like a fixed deposit paying 11.40% per year — this is the real return this policy gives you, after accounting for how long your money was locked in before payouts began.
5 premiums of ₹1,00,000 (₹5,00,000 in total), then ₹1,50,000 a year for 10 years from year 9 (₹15,00,000 in total).
Frequently asked questions
What is an annuity insurance plan?
An annuity plan is an insurance product where you pay premiums for a fixed period, then receive regular payouts for a fixed number of years after a waiting period, often marketed as a guaranteed income plan.
Why is the effective return often lower than it looks?
Marketing materials often quote the total payout amount, which can look large, but they rarely state the annualised return after accounting for how many years your money was locked in before payouts began — that real annualised figure is usually more modest than the headline numbers suggest.
These figures are estimates shown before tax, and are for information only — not investment or financial advice. Actual amounts depend on your bank’s or provider’s exact terms.