Deferred Annuity Calculator

Your details

Choose whether to solve for the periodic withdrawal amount (given a fixed term) or the number of periods your balance will last (given a fixed withdrawal).
The amount you deposit into the annuity at the start of the accumulation phase.
Optional regular deposit made each month during the deferral period. Set to 0 for a single-premium deferred annuity.
USD/mo
How many years the annuity grows before you start taking withdrawals.
years
Annual interest (or crediting) rate during the accumulation phase. Fixed-rate products use a guaranteed declared rate; variable/indexed products will vary.
%/yr
How often you will take withdrawals during the payout phase.
Annual interest rate applied to the remaining balance during the payout phase. Often lower than the accumulation rate. May match the accumulation rate for simplicity.
%/yr
How many years you want withdrawals to last. Longer terms = smaller payments.
years
If greater than 0, the calculator estimates tax on interest earned (not on principal) and shows a post-tax balance. Leave at 0 to ignore taxes.
%
Currency
Balance at start of payoutSolid growth (50-100% gain)
$162,889.46

Your projected annuity balance after the full deferral period.

Periodic withdrawal$980.95
Total withdrawals$235,428.22
Total contributions$100,000.00
Total interest earned$62,889.46
Tax on interest (estimated)$0.00
Post-tax balance at payout$162,889.46
Contributions$100,000.00
Interest earned$62,889.46
Tax on interest$0.00

You can withdraw $981 per month for 20 years.

  • After 10 years of accumulation your annuity is projected to reach $162,889.
  • Interest earned represents a 63% gain over your total contributions of $100,000.

Next stepCompare this projection against the guaranteed quotes from actual annuity providers, as credited rates and fees vary significantly. Consider pairing this with a Social Security estimate to plan your full retirement income.

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