Financial Tool

Deferred Fixed Annuity

Estimate the growth of your investment during the deferral phase of a fixed annuity.

Future Value
$81,444.73
Total Interest
$31,444.73

Σ The Formula

FV = P × (1 + r)^t

Real World Examples

Retirement Planning
$50,000 at 5% for 10 years grows to over $81,000.
Lump Sum Investment
See how a single deposit compounds over time before payouts begin.

# About This Calculator

A Deferred Fixed Annuity is a tax-advantaged investment vehicle designed for long-term savings, typically for retirement. During the "deferral phase," your initial investment (and any subsequent deposits) earns interest at a fixed rate set by the insurance company.

Tax on the earnings is deferred until you begin taking distributions. This allows your interest to earn interest (compound) more effectively over several years or decades. This calculator focuses on the accumulation phase of a single-premium deferred annuity.

How To Use

  1. Enter your **Initial Deposit** (Principal).
  2. Enter the **Fixed Interest Rate** guaranteed by the annuity contract.
  3. Enter the **Deferral Period** (how many years before you plan to withdraw).
  4. The tool calculates the **Estimated Future Value** at the end of the term.

Frequently Asked Questions

What is the Surrender Period?+

Annuities often have a period (e.g., 7-10 years) during which you pay a fee to withdraw funds. This calculator assumes you hold the asset for the full term.

How is interest compounded?+

Fixed annuities usually compound interest annually. This calculator uses the standard annual compounding formula.

Is Deferred Fixed Annuity free to use?+

Yes, Deferred Fixed Annuity on Matheric is completely free to use. We believe in accessible education and utility for everyone.

How accurate is Deferred Fixed Annuity?+

We use standard mathematical formulas and high-precision computing algorithms to ensure results for Deferred Fixed Annuity are accurate for academic and professional use.

Can I use Deferred Fixed Annuity on my phone?+

Yes! Deferred Fixed Annuity is fully responsive and optimized for all devices, including smartphones, tablets, and desktops.

Do you save my data?+

No. We prioritize your privacy. All calculations are performed in your browser or temporarily processed, and we do not store your personal input data.

About

A Deferred Fixed Annuity is a tax-advantaged investment vehicle designed for long-term savings, typically for retirement. During the "deferral phase," your initial investment (and any subsequent deposits) earns interest at a fixed rate set by the insurance company.

Tax on the earnings is deferred until you begin taking distributions. This allows your interest to earn interest (compound) more effectively over several years or decades. This calculator focuses on the accumulation phase of a single-premium deferred annuity.

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