Annuity Modeling Software for Retirement Income Comparison
Model fixed indexed annuities and variable annuities alongside investment portfolios with side-by-side projections — guaranteed income vs. market returns, visualized clearly.
Trusted by advisory firms across North America
Annuity Comparisons Are Hard to Build in Isolation
Annuity illustrations live in one system, portfolio analysis in another — making it difficult to show the complete retirement income picture
Participation rates, caps, floors, spreads, and crediting methods require precise configuration. Spreadsheets make it slow and error-prone.
Annuity illustrations show guaranteed income. Portfolio tools show market returns. Comparing them side-by-side requires manual work to get both into the same view.
Guaranteed income from annuities plus market-based withdrawals from portfolios — the complete retirement picture requires combining both, not modeling them separately.
How Annuity Modeling Works
Model annuities alongside investment portfolios and compare guaranteed income vs. market returns
Model Any Fixed Indexed Annuity in Minutes
Configure participation rates, caps, floors, spreads, and crediting methods for any indexed annuity. Set premium structures, accumulation periods, and payout options.
Compare Guaranteed Income vs. Market Risk
Run side-by-side comparisons: annuity with guaranteed income floor vs. portfolio-based approach with market exposure. The comparison shows exactly what the trade-off looks like — certainty vs. upside — in clear visualizations.
Model the Complete Retirement Income Picture
Combine annuity income with portfolio withdrawals, Social Security, and pensions in one projection. Total retirement income from all sources — not just the annuity in isolation.
Answer "What If?" Questions Instantly
What happens with $100K more in the annuity? What if income starts 5 years later? Adjust assumptions and see projections update in real-time. Answer client questions during the meeting, not after.
Trusted by financial advisors
See how practices are transforming their workflows
"We're deeply committed to integrating cutting-edge technology to transform the financial planning landscape. Investipal's innovative approach aligns perfectly with our vision, particularly in utilizing OCR technology to streamline processes and elevate the client and advisor experience."
— ProsperPlan Wealth
"Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients."
— Pacific Portfolio Advisors
"Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market."
— William Joseph Capital Management
Frequently asked questions
Common questions answered
See Annuity Modeling Software in Action
Book a demo to walk through annuity configuration, portfolio comparison, and retirement income projections.