Annuity Calculator: Compare Fixed Annuity Rates and Growth
Annuity calculator and rates in one place: calculate your fixed annuity returns and compare guaranteed interest rates from multiple insurance companies. Enter your deposit amount, select a guarantee period, and choose your state to see estimated interest earnings and how much your money could grow.
Start with $25,000 and explore fixed annuity options designed for predictable growth and protection against direct stock market losses.
Calculate Your Fixed Annuity Returns
See what your money could earn before choosing an annuity. Compare insurance company interest rates, guaranteed periods, and projected account values in one place.
- Deposit Amount: $25,000 minimum
- Guarantee Period: 2 to 10 years
- State of Residence: Select your state
Rates are estimates until confirmed by the issuing insurance company. Higher deposits may qualify for different interest rates.
Rates reviewed October 20, 2026.
Based on your inputs above:
Your personalized estimate
multi-year guaranteed annuityEstimated interest $0
Grows your deposit at one stated rate for the full term, with no direct stock-market exposure. Interest stays in the contract and is tax-deferred until you take it out.
Your estimate is a starting point. A licensed agent can show you what it actually looks like in a dated carrier illustration for your situation.
Thank you for being here today.I would really like to help you with your annuity search. Our technology is on point and reliable, and so are our carriers.
Your full estimate is unlocked below. I will personally reach out within one business day to walk through your options, or you can call me now at (678) 884-4653.
Aaron PolkFounder, Golden Shield Life Insurance
Based on a 0.00% 0-year multi-year guaranteed annuity from a carrier, compounded annually.
| Year | Interest | Value |
|---|---|---|
| Year 1 | $0 | $0 |
| Year 2 | $0 | $0 |
| Year 3 | $0 | $0 |
Same deposit, other terms
| Term | Estimated value | Interest |
|---|
- Values are estimates based on current sample rates and assume no withdrawals or charges.
- Interest is shown before taxes.
- The rate and carrier behind each term unlock with your full estimate.
Or fill out the form below. No need to re-enter what you already told me.
NPN 21216745
Compare Fixed Annuities With Golden Shield Life Insurance
Don't choose an annuity based on the advertised interest rate alone. Golden Shield Life Insurance helps clients compare fixed annuities from multiple insurance companies to find options that match their savings goals and desired guarantee periods.
Aaron Polk, founder of Golden Shield Life Insurance, works with clients nationwide, subject to state licensing and product availability.
Never shop for annuities alone. Let us compare your options for free.
Call or Text: 678-884-4653
What Do Your Annuity Calculator Results Mean?
Your comparison helps you understand four important numbers:
- Guaranteed Rate: The interest rate available for the selected guarantee period.
- Interest Earned: How much interest your deposit could accumulate.
- Total Account Value: Your original deposit plus estimated compounded interest.
- Guarantee Period: How many years your selected interest rate remains in effect.
Compare insurance companies, contract features, and financial strength ratings before selecting a quote.
What Is a Multi-Year Guaranteed Annuity?
A multi-year guaranteed annuity (MYGA) is a fixed annuity that locks in an interest rate for a specific period, commonly 3 to 10 years. Your savings earn interest without direct exposure to stock market losses, and earnings generally grow tax-deferred until withdrawn.
MYGAs are designed for money you want to protect while earning a predictable return over a selected period.
Your Calculator Is a Starting Point, Not Your Final Quote
An annuity calculator shows estimated interest earnings, but a personalized insurance company quote can reveal options a calculator may not capture.
Interest rates can differ based on your investment amount, state, age, insurance company, contract length, and available benefits.
A licensed annuity agent can compare:
- Actual available interest rates
- Insurance company financial strength
- Withdrawal options and surrender periods
- Guaranteed lifetime income benefits
- Contract features and available riders
