MYGA Ladder Builder
Split one premium across guaranteed terms using today’s rates. Each rung shows its guaranteed rate through its own maturity; anything beyond that is clearly labeled a scenario.
MYGA ladder plan
$250,000 · 3, 5, 7-year terms · state not selected · highest eligible rate
Live MYGA rates are temporarily unavailable.
We could not build the ladder from the live rate feed for these inputs right now. Try again shortly.
No eligible current product is available for the 3, 5, 7-year term(s).
Tax and eligibility context
For nonqualified money, interest generally grows tax-deferred until withdrawn; taxable gain is generally ordinary income, not capital gain. The age entered is 59½ or older, but contract surrender charges and ordinary-income tax can still apply.
State narrows the rate query; premium bands and the AM Best floor are applied. The feed does not supply complete issue-age, surrender-charge, MVA, or free-withdrawal rules for every row, so those stay “confirm before purchase” items rather than inferred eligibility.
Want a person to validate the contract details?
The calculator stays free and open. Optionally request a licensed review before acting; that separate request asks for contact information.
Request an optional reviewWhat this calculator does—and does not—claim
Current contract-rate math
Each rung compounds its displayed comparable annual rate only through that rung’s initial guarantee term. Rates come from the current CANNEX-backed AdvisorWorld feed and are narrowed by the premium and state you enter. Product links lead to the relevant AnnuityRatesHQ research page when a reviewed mapping exists.
Future outcomes are scenarios
Future renewal rates, reinvestment, taxes, withdrawals, and early-exit costs are unknowable today. The common-horizon comparison keeps those assumptions in a separate blue scenario panel; it never describes them as guaranteed.
For contract mechanics, see the NAIC Buyer’s Guide to Deferred Annuities. For federal tax rules, see IRS Publication 575.
Publish this calculator on your site
Build free copy-paste MYGA ladder embed code with visible source attribution.
Example MYGA ladders
$250,000
$500,000
$100,000
$250,000
$500,000
$1,000,000
$100,000
$300,000
Estimates are based on current guaranteed rates sourced from CANNEX via AdvisorWorld and are for education only. A “highest rate” selection is a mechanical sort of the displayed eligible feed, not a recommendation or claim that a product is best for you. Rates change and vary by state, age, premium band, and contract version. Confirm the actual rate, issue-age eligibility, surrender schedule, market-value adjustment, free-withdrawal rules, renewal options, and tax treatment before acting. Guarantees are backed solely by the issuing insurer’s claims-paying ability; annuities are not FDIC-insured.