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Deferred Fixed Annuity Calculator
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Calculator Use
Calculate the year end values and compounded effective interest for an annuity. Interest is compounded annually by default but you can select your compounding period. A deferred fixed annuity has a rate of return that is set and guaranteed for a specific time. For example, 3, 5, 7 or 10 years. This type of annuity is a more conservative approach to investing or building a retirement portfolio. Depending on the provider terms, the annual rate of return could be constant year to year or vary. Only enter the annual rate for applicable years. For example, a 7 year annuity leaves 8, 9 and 10 blank.
- Initial Investment
- Amount or present value that you are putting into your annuity
- Term Year & Annual Rate
- Each year of the annuity and its corresponding interest rate (rate of return) expected for that year.
- Compound
- The frequency that compounding will occur on your investment each year.
- Investment is Pretax?
- Check this box if your investment is made with pretax dollars and you want taxes calculated at the time of withdrawal
- Tax Bracket
- If you will not reinvest, enter the percentage tax you expect to pay at the time of withdrawal
Sample Output
| Term Year # |
Beginning Value $ |
Annual Rate % |
Year-End Value $ |
Yield to Term % |
|---|---|---|---|---|
| 1 | 20,000.00 | 1.65 | 20,332.51 | 1.663 |
| 2 | 20,332.51 | 1.65 | 20,670.54 | 3.353 |
| 3 | 20,670.54 | 1.65 | 21,014.20 | 5.071 |
| 4 | 21,014.20 | 1.65 | 21,363.57 | 6.818 |
| 5 | 21,363.57 | 1.65 | 21,718.74 | 8.594 |
Post Tax Value = $21,460.93