Charity gift annuities provide lifetime fixed payments in exchange for a single lump-sum donation, providing secure income while simultaneously offering tax savings opportunities.
To assess whether a deferred gift annuity is suitable for you, use our online calculator to calculate future payments. Your rate will depend on when and where payments start as well as total contribution amount. Alternatively, we can design flexible annuities which enable you to choose when payments will commence – the longer they start the higher their annuity rates become.
Create a gift annuity using cash or appreciated securities to save taxes on capital gains gains incurred over time, leading to significant tax savings.
Our gift annuity calculator is designed to give you a customized estimate of future payments and tax benefits associated with an annuity plan. Please keep in mind, however, that due to differences in state or local taxes your results may vary; please consult your attorney or tax advisor for guidance if desired.
Charitable gift annuity rates are subject to regulation on both state and federal levels, making rates variable between charities. However, the American Council on Gift Annuities provides recommended rates for most states and territories and we strive to keep our calculator rates accurate as these change.
Younger donors tend to receive lower returns due to shorter life expectancies.
Investing in appreciated stock as the basis for a gift annuity saves capital gain taxes as they’re spread over multiple years and only recognized when payments begin coming through from your gift annuity.
Choose to make part of your annuity payments tax-free for one or two beneficiaries you select, while the rest passes to Best Friends upon your death. This type of gift offers security while helping save current income and capital gains taxes.
Younger donors generally will receive less of annuity payments from charitable gift annuities, due to shorter life expectancies. Nonetheless, they may still find some attractive annuity rates with certain charities; some offer very attractive rates if donors agree to defer payments for years.