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Today's Rates
A live look at sample MYGA, FIA, and SPIA numbers — no email gate, no sales call.
- Sample rates from carriers we work with — updated regularly
- Compare 3, 5, and 7-year fixed terms
- See illustrative SPIA payout estimates by age
Sample rates
Live
MYGA vs. CD
Side-by-side, after-tax comparison of a multi-year fixed annuity vs. a bank CD.
- Enter your bracket — see real after-tax growth
- Accounts for tax deferral over the term
- Honest about CD strengths too
Time to run
60 sec
Roth Conversion
Estimate the federal tax cost of converting Traditional IRA dollars to a Roth.
- Partial conversion supported
- Marginal-bracket aware
- See the trade-off before you commit
What you get
Tax owed
IRA Contribution
Check your 2025 allowable Traditional or Roth IRA contribution in seconds.
- Income-phaseout aware (Roth)
- Catch-up at 50+ included
- Spousal IRA scenarios
Limit (50+)
$8,000
Required Withdrawal (RMD)
Estimate this year's Required Minimum Distribution for a Traditional IRA.
- Uses IRS Uniform Lifetime Table
- Age-72/73/75 transitions explained
- For estimation only — confirm with your CPA
Required at
Age 73
Schedule a Call
A 20-minute intro with a licensed agent — no SSN, no pressure, no obligation.
- We'll walk your numbers in plain English
- Bring your TRS/FRS/PERS or 403(b) statement
- You decide if there's a next step
Intro call
20 min
How to use this page
Three steps. No pressure.
- 01See the rates
Glance at today's MYGA, FIA, and SPIA numbers so you know the ballpark before you do anything else.
- 02Run a calculator
Try the MYGA vs. CD or Roth conversion estimator. No login, no email — just numbers.
- 03Book a 20-min call
If anything raises a question, talk it through with a licensed agent. We'll never push.
Important disclosure
All calculator results are estimates based on the inputs you provide and assumptions stated within each tool. Rates shown are samples for educational purposes and may differ from rates available to you. Nothing on this page is tax, legal, or investment advice. Consult a qualified professional before acting on any result.