How do I simulate an annuity?

Open this page and use the live Rebalancing Strategy tool below — set your inputs and the simulation runs instantly in your browser using real numerics. No install, no account needed.

Yes. The simulation runs free in your browser. A one-time unlock or a Pro plan adds advanced parameters, saved presets, data import, and clean exports.

Can I use my own numbers?

Absolutely — every input is adjustable, and with data import you can drive an annuity from your own measurements.

Use case · powered by Rebalancing Strategy

Rebalancing Strategy for an annuity

Simulate an annuity live in your browser. This runs the real Rebalancing Strategy solver — adjust the inputs, watch it respond instantly, and export the result. No install, no account.

For:Students Researchers Educators Engineers Hobbyists & Makers K-12 Students First Responders

Efficient Frontier

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Efficient FrontierLive

Markowitz portfolio theory

Controls

Presets

Asset A return

Asset A volatility

Asset B return

Asset B volatility

Correlation

Combining two assets traces a curved frontier of risk versus return. Because they are not perfectly correlated, some mixes have lower risk than either asset alone — the power of diversification. The pink point is the minimum-variance portfolio. Educational tool, not investment advice.

▶ Run in Python

Data Inspector

Min-var weight A0%

Min-var return0.0%

Min-var volatility0.0%

Governing equation

σ_{p}^{2} = w^{2} σ_{A}^{2} + (1 - w)^{2} σ_{B}^{2} + 2 w (1 - w) ρ σ_{A} σ_{B}, ρ = 0.20, w^{*} = 0%

Reading this result: The assets differ sharply in volatility, so the minimum-variance blend leans heavily toward the calmer one to hold total risk down.

Runs locally in your browser — free forever. Scale to the cloud when reality gets heavy.

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Monte Carlo

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Monte Carlo Price SimulationLive

geometric Brownian motion

Controls

Presets

Initial price S₀

Expected return μ

Volatility σ

Horizon (years)

Geometric Brownian motion models a price with constant drift and random volatility — the assumption behind Black-Scholes. Running hundreds of simulated paths reveals the full distribution of outcomes, not just an average. Educational tool, not investment advice.

▶ Run in Python

Data Inspector

Median outcome$0

5th percentile$0

95th percentile$0

Governing equation

S_{t + Δ t} = S_{t} e^{(0.07 - \frac{0. 2 ^{2}}{2}) Δ t + 0.2 Δ t Z}, \tilde{S}_{1} \approx $0

Reading this result: Median outcome is about $0, just under the drift-only $107 — GBM compounds in log-space, so volatility always pulls the typical path below the average.

Runs locally in your browser — free forever. Scale to the cloud when reality gets heavy.

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About this simulation

The full Rebalancing Strategy tool models an annuity with the same numerics engineers and scientists use — running entirely client-side. Change any parameter and the result updates in real time, so you can build intuition, check a design, or teach the concept without spreadsheets or installs.

More you can do with Rebalancing Strategy

Rebalancing Strategy for a stock option Rebalancing Strategy for a retirement fund Rebalancing Strategy for a mortgage Rebalancing Strategy for a bond ladder Rebalancing Strategy for a crypto portfolio Rebalancing Strategy for an index fund Rebalancing Strategy for a savings plan Rebalancing Strategy for a startup valuation

Other ways to simulate an annuity

Black-Scholes for an annuity Option Payoff for an annuity Monte Carlo (GBM) for an annuity Efficient Frontier for an annuity Value at Risk for an annuity Bond Pricing for an annuity

Frequently asked questions

How do I simulate an annuity?: Open this page and use the live Rebalancing Strategy tool below — set your inputs and the simulation runs instantly in your browser using real numerics. No install, no account needed.
Is it free?: Yes. The simulation runs free in your browser. A one-time unlock or a Pro plan adds advanced parameters, saved presets, data import, and clean exports.
Can I use my own numbers?: Absolutely — every input is adjustable, and with data import you can drive an annuity from your own measurements.