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This tool allows you to explore the impact on reserves of different mortality assumptions. This is a simplified version of the full annuity-pricing and capital-management calculation tool available as part of our subscription service.

Note that this tool calculates using continuous-time mortality and interest, so fractional years of age, or steps in years of age, are permitted.

This tool is provided without warranty of any kind.

Annuity calculator

Percentage of table %
Mortality table applied continuously, i.e. force of mortality
From age
...in steps of years
...up to age
dt
Interest rate % per annum, earned continuously
Annuity payment per annum, paid continuously
Payment escalation % per annum, applied continuously
Return results
Alpha (only needed for mortality laws)
Beta (age) (only needed for mortality laws)
Rho (Beard) (only needed for mortality laws)
Epsilon (Makeham) (only needed for mortality laws)
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