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Variable Benefit Minimum and Maximum Calculator

Here's a quick breakdown:

Step 1: Select jurisdiction

Select the jurisdiction that applies to your VB Account. Your jurisdiction is noted on your annual statement.

Step 2: Enter your age

Enter your age as of December 31 to estimate your withdrawal amount.

Note: If your birthday is January 1, your actual minimum withdrawal may be slightly higher.

Step 3: Enter estimated year end balance

Enter the estimated balance of your VB Account as of December 31.

Variable Benefit - Minimum and Maximum Calculator

Complete the fields below to estimate your minimum and maximum Variable Benefit payment for the following year.
Your Results
Minimum
Payment
$---- / yr
$---- / mo
Maximum
Payment
$---- / yr
$---- / mo
These estimates are approximate and depend on year-end balances, which may change as a result of market conditions.

Your estimated minimum and maximum amounts

Each year, your monthly or annual VB payment withdrawal must fall within the minimum and maximum amounts that apply to your account.

  • Minimum withdrawal: Your minimum is based on either your age or your spouse's age, depending on the option you selected when you set up your VB Account. Minimum withdrawals are required beginning in the year you turn 72. Before then, no minimum applies.
  • Maximum withdrawal: Your maximum is based on your age and applies only to the locked-in portion of your VB Account. You cannot withdraw more than the calculated maximum from your locked-in funds each year.

Learn more about VB withdrawals