Fed Rate Impact Calculator

Tools

State

Scenario Controls

Show real (inflation-adjusted)

Money Market / Savings

Include

Balance

APY

Beta to Fed

CD Ladder

Renewal pass-through controls how much cuts flow into renewal rates.

Balance

APY

Months to Renew

Pass-through

Bond Fund / ETF

Include

Value

SEC Yield

Duration

Yield Pass-through

MYGA (Multi-Year Guaranteed Annuity)

Include

Amount

Term (yrs)

Optional Riders

Carrier table (ROF DirectGrowth): 5y • no riders • 6.00%

Rate (auto from table)

FIA (Fixed Indexed Annuity) – Simplified

Illustrative expected credit and income proxy; caps/pars can change.

Include

Amount

Cap

Participation

Rider Fee

Payout Factor

Start Age

SPIA (Single Premium Immediate Annuity) – Proxy

Include

Premium

Age

Payout Factor

HELOC (optional)

Include

Balance

Margin over Prime

Results Summary

Annual Income – Before

$50,950

nominal

Annual Income – After

$47,550

Δ -50 bps

Change ($ / %)

-$3,400 / -6.7%

Rate cuts at -50 bps are projected to reduce your annual income by $3,400. Consider locking today’s guaranteed rates.

Money Market

Before$11,250

After$10,125

Δ ($ / %)-$1,125 / -10.0%

β=0.9.

CD Ladder

Before$5,200

After$5,025

Δ ($ / %)-$175 / -3.4%

Weighted by months-to-renew.

Bond Fund

Before$13,500

After$12,150

Δ ($ / %)-$1,350 / -10.0%

Duration ~5. Price P&L (est): $7,500.

MYGA

Before$9,000

After$8,550

Δ ($ / %)-$450 / -5.0%

Term 5 yrs.

FIA (expected credit)

Before$12,000

After$11,700

Δ ($ / %)-$300 / -2.5%

Income proxy: $9,000 (if activated).

Visual Comparison

Disclosures: Educational illustration only; not investment, tax, or legal advice. Rates and terms subject to change; not guaranteed until a contract is issued. Annuities may include surrender charges, fees, and rider costs. State availability varies. Dividends, caps, and participation rates can change. Consult a licensed professional. Calculations use user inputs and representative assumptions as of the calculation date.