Advanced Deferred Fixed Annuity Calculator

Advanced Deferred Fixed Annuity Calculator

Calculate annuity values, payments, and growth with comprehensive analysis

💰 Annuity Calculator

Calculate deferred fixed annuity values and payments

Accumulation
Payout
Lump sum or initial investment
Annual contributions during accumulation
Fixed annual interest rate
Years before annuity payments begin
Years of annuity payments

📈 Annuity Results

Comprehensive annuity calculations and projections

Total Premiums: $200,000
Annuity Value: $438,225
Monthly Payment: $1,825
Total Payments: $547,500
Effective Yield: 4.75%

📊 Annuity Growth

Accumulation and payout phases visualization

💎 3D Value Progression

Interactive 3D visualization of annuity growth

Mouse: Rotate view
Wheel: Zoom in/out

Annuity Schedule

Year-by-year breakdown of accumulation and payout phases

Year Phase Premium Interest Balance Payment

Deferred Fixed Annuity Guide

A deferred fixed annuity is an insurance contract that accumulates funds at a fixed interest rate during the deferral period, then provides guaranteed periodic payments during the payout phase.

Annuity Formulas

Future Value = PV × (1 + r)^n + PMT × [((1 + r)^n - 1) / r]
Annuity Payment = PV × [r / (1 - (1 + r)^-n)]
Present Value = PMT × [(1 - (1 + r)^-n) / r]
Effective Yield = (Total Payments / Total Premiums)^(1/years) - 1

Accumulation Phase: During the deferral period, premiums earn interest at the fixed rate. Additional premiums can be added annually, growing the account value through compound interest.

Payout Phase: The accumulated value is converted to periodic payments calculated based on the interest rate, payout period, and payment frequency. Payments are guaranteed for the specified period.

Benefits: Fixed annuities provide guaranteed growth during accumulation and predictable income during retirement. They offer protection from market volatility and can supplement other retirement income sources.

Considerations: Inflation risk, surrender charges for early withdrawal, and opportunity cost compared to other investments should be evaluated when considering fixed annuities.

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