Deferred Fixed Annuity Calculator

Calculate year-end values, compounded interest, taxes, and post-tax value for your annuity

Input Parameters
Please enter a valid investment amount
Please enter a term between 1 and 50 years
Please enter a valid tax bracket between 0% and 50%
Calculation Results

Investment Summary

Initial Investment: $100,000.00
Term: 5 years
Final Value: $108,593.71
Total Interest: $8,593.71

Yearly Breakdown

Year Beginning Value Annual Rate Year-End Value Yield to Term

Tax (15%) = $1,289.06 (on Interest)

Post Tax Value = $107,304.66

Calculator Inputs

Initial Investment
The starting amount you put into your annuity. This is the principal amount that will grow over time through compound interest.

Term Year & Annual Rate
The number of years your annuity will last, with a separate interest rate for each year. You can set different rates for different years based on your expectations.

Compound
How often your interest is calculated and added to your investment each year. More frequent compounding (like monthly) typically results in higher returns over time.

Investment is Pretax?
Select this if you’re using money that hasn’t been taxed yet (like from a traditional IRA or 401(k)). Taxes will be calculated when you withdraw the money.

Tax Bracket
The percentage of your investment earnings that you’ll pay in taxes when you withdraw the money. This only applies if you selected “Investment is Pretax.”

Sample Output Example

$100,000 growing over 5 years at 1.65% annually with monthly compounding. The table shows how your money grows each year, the total interest earned ($8,593.71), taxes due on that interest ($1,289.06 at 15%), and your final after-tax value ($107,304.66).