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Contributing to a Variable Annuity creates long term tax-deferred growth. Use this calculator to see how a Variable Annuity might fit into your retirement plan.
A variable annuity is an insurance product designed to provide long-term, tax-deferred savings. You do not receive a tax deduction on the money you deposit, however, you pay no taxes until you begin making withdrawals. There are no annual contribution limits or income limits. A Variable Annuity could be a good option if you wish to increase your tax-deferred savings. This calculator assumes that you make your contribution at the beginning of each year.
Variable annuity contracts will have different rules, restrictions and expenses that will vary by insurance company and by product within an insurance company. To fully understand a variable annuity, make sure you fully understand all options, restrictions and expenses for your specific variable annuity before you enter into such a contract. This calculator is not designed to describe a specific insurance product and should be used as a general illustration of the tax-deferred feature of a variable annuity.
Initial amount to contribute to your annuity. The starting balance is assumed to be contributed immediately and beginning earning a return.
Su edad actual.
Age you wish to start taking money out of the annuity. This calculator assumes that the year you begin withdrawals, you do not make any contributions to your annuity. For example, if you begin at age 65, your last contribution would have happened when you were actually age 64.
The amount you will contribute to your variable annuity each year.
The annual rate of return you expect for your variable annuity. This calculator assumes that your return is compounded annually and your contributions are made at the beginning of each year. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
Insurance products may additionally include mortality, expense risk charges, cost of insurance, administrative, and surrender charges that will have a significant impact on the total rate of return for the investment.
Your current marginal tax rate you expect to pay on your taxable investments.
The marginal tax rate you expect to pay on your investments at retirement.
Number of years before retirement.
Total value of your variable annuity at retirement before taxes.
Total value of your variable annuity at retirement after taxes are paid.
Total value of your savings, at retirement, if your annual contribution is deposited into a taxable account.