Exit Economics — Know Before You Go
What is your policy actually worth if you leave today?
Most policyholders discover their surrender value only after they’ve already walked away — too late to compare alternatives. Calculate yours in 60 seconds.
Whole Life Quick Estimate
Estimated Net Surrender Value
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Free Tools
Every exit. Every calculator.
Whether you’re leaving a whole life policy, an annuity, a 401k early, or a timeshare — find the right calculator for your exact situation.
Life InsuranceIUL Surrender CalculatorIndexed universal life exit value with surrender schedule.Calculate →
AnnuitiesAnnuity Surrender CalculatorFixed and variable annuity exit costs by surrender period year.Calculate →
Retirement401k Early Withdrawal Calculator10% penalty + tax estimate on early retirement account exit.Calculate →
RetirementIRA Early Withdrawal CalculatorTraditional and Roth IRA penalty and tax calculator.Calculate →
Tax Strategy1035 Exchange CalculatorCompare surrendering vs. tax-free 1035 exchange to a new policy.Calculate →
Life InsuranceCash Surrender Value CalculatorUniversal formula across permanent life policy types.Calculate →
Life InsuranceUniversal Life Surrender CalculatorUL policy exit value factoring COI and expense charges.Calculate →
The Process
Three inputs. One honest number.
STEP 01
Enter your policy details
Premium paid, years held, current cash value from your policy statement — the same numbers your insurer already has.
STEP 02
We apply your surrender schedule
Surrender charges decline every year — typically 7–15% in year one, reaching zero after 15–20 years. We apply the correct rate for your policy year.
STEP 03
See what you’d actually receive
Net surrender value after charges, outstanding loans, and a simplified tax estimate on any gain. No surprises. No agent spin.
All Categories
Every type of exit, covered.
Surrender value isn’t just an insurance concept. Anywhere there’s a long-term contract, there’s an exit cost worth calculating.
Insurance
Life, IUL, Annuities, LTC
Retirement
401k, IRA, Pension, CD
Real Estate
Mortgage, Lease, Timeshare
Vehicles
Auto Loan, Car Lease, RV
Debt & Finance
Settlement, Credit, Personal Loans
Employment
RSU, Golden Handcuffs, Severance
Solar & Energy
Solar Lease, PPA Buyout
Memberships
Gym, Club, Subscriptions
Timeshares
Exit, Surrender, Transfer
Business
Franchise, SaaS, Equipment
Learn
Definitions, Guides, FAQs