I need money and I am considering cashing in my annuity. How much money would i lose doing this?

I understand the question very well. Losing money is a big fear.

And I really can't answer your question without more details.

How much do you receive and when do you receive it?
Paid by whom, and what state do you live in.
That information will help.

There are 2 more important factors in calculating an amount.

net present value calculation-we use software and an irs rate to get this number...
how much do you need now?