What is the future value of an annuity?

Unlike a taxable account, a fixed annuity enjoys the benefits of tax deferral. In addition, many annuity companies offer a higher first year bonus rate. To be able to offer these higher rates companies typically require you to keep the funds invested for a period of time or suffer a surrender penalty for early withdrawal. Use this calculator to help determine your annuity value in a given year and compare it to a taxable savings account like a CD.
Savings and Assumptions
Initial balance or deposit ($) 
Annual savings amount ($) 
Annual increase in contributions (%) 
Number of years for the analysis 
Before tax return on taxable account (%)help
Marginal tax bracket during deposit(s) (%)help
Marginal tax bracket at withdrawal (%)help
Annuity Information
Initial rate (%) 
Number of years initial rate is guaranteed 
Subsequent expected interest rate (%) 
Minimum guaranteed interest rate (%) 
Surrender Charges (if applicable)
Year 1 (%) 
Year 2 (%) 
Year 3 (%) 
Year 4 (%) 
Year 5 (%) 
Year 6 (%) 
Year 7 (%) 
Year 8 (%) 
Year 9 (%) 
Year 10 (%) 
This information is intended to help you analyze your financial needs, based on the information you provide. This service shall not imply that the company assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information. Past performance does not necessarily predict future results.

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