# Annuity Lab vs Annuity Simulator

The clearest difference is rating: Annuity Simulator at 5.0 against Annuity Lab's 1.1. Annuity Lab's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Annuity Simulator sells 1 one-off in-app purchase. Annuity Lab asks for nothing beyond the download.

Annuity Simulator holds the better App Store score, 5.0 against 1.1. That said, the two scores are not equally well evidenced: Annuity Lab has 10 ratings behind it against 1, so its average is the more settled of the two.

Annuity Lab ships an update every 4 months, Annuity Simulator every 8 months. The most recent releases landed on September 29, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Annuity Lab | Annuity Simulator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.1 (10 ratings)](https://appshunter.io/ios/app/annuity-lab/id1152480477/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/annuity-simulator/id1602254819/reviews)** |
| Number of ratings | **10** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 4 months** | Every 8 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 11 MB | 44 MB |
| Requires iOS | **11.0** | 12.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Brody Knob LLC](https://appshunter.io/developer/1152480476) | [FRANCOIS GUERIN](https://appshunter.io/developer/1552471618) |

## What reviewers say

### Annuity Lab

[App page](https://appshunter.io/ios/app/annuity-lab/id1152480477)

Compare living benefit riders and fixed index annuities with detailed calculations for annual returns, income potential, and historical index performance. Plan your retirement income with interactive modeling tools.

**Highlights:** Living Benefit Rider comparison, Fixed Index Annuity comparison, Annual rate of return calculation, Annual income projection, Historical index performance analysis, Required initial premium calculation, 30-year contract value modeling

**Features:** macOS Compatibility

**In-app purchases:** none


### Annuity Simulator

[App page](https://appshunter.io/ios/app/annuity-simulator/id1602254819)

Calculate the years needed to access an annuity based on your income and savings capacity. This tool provides instant results and visualizes annuity evolution over time. It does not account for inflation or taxation.

**Highlights:** Income and savings input, Instant annuity calculation, Annuity evolution graph, Cumulative savings table, Simple simulator parameters

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove ads banners | $0.99 | one-time |


## Frequently asked questions

### Is Annuity Lab free?

Annuity Lab is free to download, with no in-app purchases.

### Is Annuity Simulator free?

Annuity Simulator is free to download, with in-app purchases available.

### Which has better reviews, Annuity Lab or Annuity Simulator?

Annuity Simulator is rated higher. Annuity Lab averages 1.1 out of 5 from 10 ratings, while Annuity Simulator averages 5.0 from 1 ratings.

### Do Annuity Lab or Annuity Simulator have ads?

Annuity Simulator shows ads; Annuity Lab does not.

### Which is updated more often, Annuity Lab or Annuity Simulator?

Annuity Lab ships an update every 4 months, and Annuity Simulator every 8 months. Most recently, Annuity Lab was updated on September 29, 2026 and Annuity Simulator on September 26, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*