Planning Tool
Investment Replacement Comparison Calculator
Use this tool to compare how your current contract might grow versus a proposed replacement, side by side.
Your numbers
Edit any field below — the projection updates instantly.
Current Contract
New Contract
Projected growth, side by side
- Current Value
- $100,000
- Current Rate
- 3.75%
- Current Fee
- 0%
- Surrender Charge
- 0%
- Projection Length
- 10 years
- New Value
- $100,000
- New Rate
- 5.55%
- New Bonus
- 4.5%
- New Fee
- 0%
- New Contract Starts At
- $104,500
Year-by-year detail
| Year | Current Contract Value | New Contract Value |
|---|---|---|
| Today | $100,000 | $104,500 |
| Year 1 | $103,750 | $110,300 |
| Year 2 | $107,641 | $116,421 |
| Year 3 | $111,677 | $122,883 |
| Year 4 | $115,865 | $129,703 |
| Year 5 | $120,210 | $136,901 |
| Year 6 | $124,718 | $144,499 |
| Year 7 | $129,395 | $152,519 |
| Year 8 | $134,247 | $160,984 |
| Year 9 | $139,281 | $169,918 |
| Year 10 | $144,504 | $179,349 |
At year 10, the current contract illustration reaches $144,504 versus $179,349 for the new contract, based on the assumed growth rates above.
Important disclosure
This tool produces a hypothetical, educational illustration only. It does not represent any specific product, insurance contract or investment, and no specific or guaranteed rate of return is implied. Actual results will vary based on market performance, product fees and charges, surrender schedules and your individual circumstances. Past or projected performance is not a guarantee of future results.
Before replacing an existing contract or investment, please talk with a licensed Precision Financial Planning advisor about whether a replacement is appropriate for your situation.
Schedule a Call to Discuss Your Options