# Deferred Annuity Calculator

The deferred annuity calculator is ideal to determine the final balance of both variable and fixed deferred annuities. The deferred annuities accumulate in a span of time, allowing them to grow without tax. The deferred annuity calculator is ideal for those who want to estimate their final balanced for both fixed and variable annuities. With fixed annuities, deferral is possible but they are commonly immediate so the payments are done in a monthly basis. If you are curious or you want to create a solid investment plan for your retirement, using the deferred annuity calculator is ideal if you are shopping for this kind of annuity and you want to know how much you have to pay in the long run. Let us see how the deferred annuity calculator works.

It is known that deferred annuities generate interest over a period of time and these interests compound the balance each year till your contract ends. The funds will then be withdrawn or rolled over depending on your investment or savings plan. The deferred annuity calculator helps you in finding out the remaining balance on your initial investment, annual contributions the term of your contract as well as the rate of returns. There are other factors that should be address when using the deferred annuity calculator such as the inflation adjustments.

The deferred annuity calculator can provide information on specific data sets. First would be the annuity account an second would be the taxable account. Let us now look at the factors or variables that you have to input to utilize the deferred annuity calculator. With the deferred annuity calculator, you need data on your initial investment. This is the amount that you have invested or used to open your deferred annuity account. This is also known as the premium. You should be pretty much aware about this cost. The next aspect to include in the calculator would be the annual contribution. This is the amount that you are going to contribute to your account annually. This is an optional aspect since it is more relevant to those who want to use the deferred annuity calculator for variable annuities since most fixed annuities are single premium.

Another factor included in the deferred annuity calculator is the contract term. This is the number of years in which the annuity will run its course. With a standards calculator, it is assumed that there is 100% withdrawal of the balance when you reach the end of the term. For most clients, they rollover to a new investment or opt for gradual withdrawals. Finally, another aspect of the deferred annuity calculator is the expected return. This is the interest rate that has been anticipated for the account term. For fixed annuities, the rate is already known while for variable types, you estimate the amount to be placed on the deferred annuity calculator.

Find out the best options for annuities. Select your state and get quotes from insurance companies around the area.