If you are looking to begin any type of life insurance, health insurance etc. or if you are looking into investing in any type of retirement plan etc. the best thing that you can do for yourself is to get an annuity calculator to help you. An annuity calculator will basically help you to figure out how much money that you have to pay monthly, weekly or yearly according to what your income and expenses say that you can afford. Annuity calculators can make it much easier for you to make your decisions as to what annuities would be best for you to invest in all together. Good calculators will give you annuity rates and quotes as well. You can use your annuity calculators to: Check fixed annuities etc. Check variable annuity rates etc. Research annuities Compare annuity rates An annuity calculator is designed to help you answer many of the common financial questions that you might have such as: What type of annuity should I invest in? How much money can I afford to use for my investments? Should I refinance my mortgage? What type of IRA is right for me? It is these types of questions and many more that can be answered with a good annuity calculator and just about any company that offers various types of annuities can get you a good calculator. Having an annuity calculator can really help you in making the best financial decisions that you can. However, you should not assume that the calculator alone will be able to do everything for you. In the end, you must find an insurance company that will work with you to give you the best deals that you can get under your individual circumstances. You should still shop around and research the various insurance companies out there before you end up making the wrong decision because an annuity calculator can't prevent you from making bad choices. You have to base your annuity investment on your financial situation in life today, and what you are expecting for your life in the future and during your retirement. Naturally your rates will vary depending on the type of annuity that you are interested in as well as well as what your long term goals are. If you go about it right, your annuity calculator can give you the cutting edge.