Annuity Payout Calculator
Estimate How Much You’ll Earn with Gainbridge
Use our annuity calculator to estimate your total growth with a Gainbridge Save annuity.
What is a guaranteed annuity?
A fixed annuity offers guaranteed growth, tax advantages, and protection from market volatility. Make one upfront payment, earn a fixed interest rate, and receive guaranteed returns. You’ll never earn less than the guaranteed minimum.
Gainbridge helps you maximize your earnings through competitive rates (up to ${RATE_HIGHEST} returns), no commissions, and a straightforward online experience that allows you to check your balance and progress at any time.
Types of annuities
Not all annuities work the same way. Here's a quick overview of the common types and how they differ:
- Fixed – Guaranteed rate, protected principal with interest compounding annually. (This is what Gainbridge offers.)
- Variable – Allocated among the available investment options; higher growth potential tied to market performance, but your balance can fluctuate.
- Immediate – A lump sum goes in and payments start right away; ideal for retirement income.
Why choose Gainbridge
Gainbridge makes saving simple, transparent, and stress-free.
Protection from Market Volatility — Your money grows no matter what’s happening in the market.
Zero Commissions — We don't take a cut. Every dollar you invest stays working for you.
U.S.-Based Support — Have questions? Our support team is based right here in the U.S. and ready to help.
Track Your Growth, Anytime — Our online dashboard gives you a clear, real-time view of how your money is growing. No more waiting for statements.
What Gainbridge offers
Gainbridge Save is a fixed annuity. Your rate is locked for 3 to 10 years, your principal is protected, and you can make penalty-free withdrawals of up to 10% of your account value each year. You choose how your earnings are taxed:
Traditional
Guaranteed rates from ${RATE_TD_RANGE}
100% principal protection
10% annual penalty-free withdrawals
No hidden fees or commissions
Flexible savings goals (education, a major purchase, a safety net)
People who want access to their money before age 59½ without IRS penalties
You don’t want to be bumped to a higher tax bracket at the end of your term
Retirement
Guaranteed rates from ${RATE_RM_RANGE}
100% principal protection
10% annual penalty-free withdrawals
No hidden fees or commissions
Retirement Savings
Rolling over a 401(k) or IRA
You expect to be in a lower tax bracket when your term is over
Note: Withdrawals before age 59½ may be subject to a 10% IRS early withdrawal penalty.
Frequently Asked Questions
With Gainbridge® annuities, you can control your payment schedule during the accumulation phase. Gainbridge annuities allow for annual free withdrawals up to 10% without surrender charges. For both products, you can also take lump-sum distributions at contract maturity, or set up systematic withdrawals based on your needs.
To maximize your potential payouts:
- Compare different premium amounts to find your optimal comfort level
- Experiment with various contract terms (3-10 years) to see which offers the best hypothetical return for your timeline
- Review how different withdrawal strategies affect your total returns
- Compare Gainbridge annuities for your specific tax situation
- Use the results to help align your annuity strategy with your long-term financial goals
A lump sum may be right for you if you need immediate access to your entire balance, have another investment opportunity, or want to consolidate your finances.
A fixed-period payouts may be right for you if you want predictable income for a specific timeframe, need to bridge an income gap (like before Social Security begins), or want to spread out tax liability.
Your choice depends on your retirement timeline, income needs, other financial resources, and tax situation.
Gainbridge® eliminates hidden fees and commissions by offering direct-to-consumer annuities, putting more money back in your hands. There are no annual fees, administrative charges, or commission costs with Gainbridge annuities.
The only potential charges are surrender fees if you withdraw more than 10% of your contract value annually during the surrender period. These fees decrease over time and eventually disappear. Your quoted rates already account for all company costs, making Gainbridge's fee structure transparent and straightforward.
By choosing to deposit more, you get a higher guaranteed interest rate.
