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Annuity Ladder Calculator

Jason Caudill, MBA
Updated May 2, 2026 | 1 min read

Annuity Ladder Calculator

Build a MYGA ladder to balance yield and annual liquidity. Adjust terms, allocations, and rates; compare to a single-term benchmark.

Educational calculator only. Rates entered are illustrative and do not constitute an offer. Actual carrier rates, guarantees, surrender schedules, and product availability vary. Not tax or legal advice.

'+body+''); printWin.document.close(); printWin.focus(); setTimeout(function(){ printWin.print(); }, 400); }; } function syncCustom(){ if(allocEl.value !== 'custom') return; renderCustomRows(buildTerms( Math.max(2,Math.min(10,parseInt(rungsEl.value||5))), parseInt(startEl.value||3), parseInt(stepEl.value||1) )); } allocEl.addEventListener('change', function(){ var terms = buildTerms(Math.max(2,Math.min(10,parseInt(rungsEl.value||5))),parseInt(startEl.value||3),parseInt(stepEl.value||1)); if(allocEl.value === 'custom'){ customWrap.style.display='block'; renderCustomRows(terms); } else customWrap.style.display='none'; }); [rungsEl,startEl,stepEl].forEach(function(el){ el.addEventListener('input', syncCustom); }); document.querySelectorAll('.lc-preset').forEach(function(btn){ btn.addEventListener('click', function(){ var p = btn.getAttribute('data-preset'); if(p==='3to7'){ rungsEl.value=5; startEl.value=3; stepEl.value=1; } else if(p==='5to9'){ rungsEl.value=5; startEl.value=5; stepEl.value=1; } else if(p==='5710'){ rungsEl.value=3; startEl.value=5; stepEl.value=2; } syncCustom(); }); }); $('lc-build').addEventListener('click', buildLadder); rungsEl.value=5; startEl.value=3; stepEl.value=1; renderCurve(); })();
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Disclaimer: This content is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Annuity products vary by state and carrier. Always consult a licensed financial professional before making any financial decisions. My Annuity Store is an independent marketplace and does not provide investment advice.
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Featured Retirement Savings Products for May 12, 2026

3-Year MYGA Rates Top 4 carriers
Farmers Life Insurance Company Best Rate
Farmers Safeguard Plus 3
Term: 3 yr Min: $10,000 Withdrawal: 0% AM Best B++
5.65% Guaranteed APY
Knighthead Life
Staysail 3 (Simple Interest) SI
Term: 3 yr Min: $100,000 Withdrawal: 0% AM Best A-
5.60% Guaranteed APY
Revol One Financial
DirectGrowth 3
Term: 3 yr Min: $25,000 Withdrawal: 0% AM Best B++
5.55% Guaranteed APY
Knighthead Life
Staysail 3 CA (Simple Interest) SI
Term: 3 yr Min: $100,000 Withdrawal: 0% AM Best A-
5.50% Guaranteed APY

Rates updated: May 12, 2026, 8:44 pm ET · Source: AnnuityRateWatch. Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

5-Year MYGA Rates Top 4 carriers
American Gulf Best Rate
Anchor MYGA 5
Term: 5 yr Min: $10,000 Withdrawal: 0% AM Best B++
6.30% Guaranteed APY
Knighthead Life
Staysail 5 (Simple Interest) SI
Term: 5 yr Min: $100,000 Withdrawal: 0% AM Best A-
6.30% Guaranteed APY
Knighthead Life
Staysail 5 CA (Simple Interest) SI
Term: 5 yr Min: $100,000 Withdrawal: 0% AM Best A-
6.20% Guaranteed APY
Farmers Life Insurance Company
Farmers Safeguard Plus 5
Term: 5 yr Min: $10,000 Withdrawal: 0% AM Best B++
6.00% Guaranteed APY

Rates updated: May 12, 2026, 8:44 pm ET · Source: AnnuityRateWatch. Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

7-Year MYGA Rates Top 4 carriers
Knighthead Life Best Rate
Staysail 7 (Simple Interest) SI
Term: 7 yr Min: $100,000 Withdrawal: 0% AM Best A-
6.50% Guaranteed APY
Knighthead Life
Staysail 7 CA (Simple Interest) SI
Term: 7 yr Min: $100,000 Withdrawal: 0% AM Best A-
6.40% Guaranteed APY
American Gulf
Anchor MYGA 7
Term: 7 yr Min: $10,000 Withdrawal: 0% AM Best B++
6.30% Guaranteed APY
Ibexis
MYGA Plus 7 (Simple Interest) SI
Term: 7 yr Min: $100,000 Withdrawal: 10% AM Best A-
6.15% Guaranteed APY

Rates updated: May 12, 2026, 8:44 pm ET · Source: AnnuityRateWatch. Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

2-Year MYGA Rates Top 1 carriers
Mass Mutual Best Rate
Premier Voyage 2
Term: 2 yr Min: $1,000,000 Withdrawal: 10% AM Best A++
3.75% Guaranteed APY
3-Year MYGA Rates Top 2 carriers
Guardian Insurance & Annuity Co. Best Rate
Guardian Fixed Target Annuity 3
Term: 3 yr Min: $100,000 Withdrawal: 10% AM Best A++
4.50% Guaranteed APY
Mass Mutual
Premier Voyage 3
Term: 3 yr Min: $1,000,000 Withdrawal: 10% AM Best A++
4.40% Guaranteed APY
4-Year MYGA Rates Top 2 carriers
Guardian Insurance & Annuity Co. Best Rate
Guardian Fixed Target Annuity 4
Term: 4 yr Min: $100,000 Withdrawal: 10% AM Best A++
4.60% Guaranteed APY
Mass Mutual
Premier Voyage 4
Term: 4 yr Min: $1,000,000 Withdrawal: 10% AM Best A++
4.40% Guaranteed APY
5-Year MYGA Rates Top 2 carriers
Reliance Standard Life Best Rate
Eleos MVA 5
Term: 5 yr Min: $10,000 Withdrawal: 10% AM Best A++
5.00% Guaranteed APY
Reliance Standard Life
Reliance Guarantee - 5
Term: 5 yr Min: $20,000 Withdrawal: 10% AM Best A++
5.00% Guaranteed APY
6-Year MYGA Rates Top 2 carriers
Mass Mutual Best Rate
Premier Voyage 6
Term: 6 yr Min: $1,000,000 Withdrawal: 10% AM Best A++
5.00% Guaranteed APY
Guardian Insurance & Annuity Co.
Guardian Fixed Target Annuity 6
Term: 6 yr Min: $100,000 Withdrawal: 10% AM Best A++
4.80% Guaranteed APY
7-Year MYGA Rates Top 2 carriers
Reliance Standard Life Best Rate
Reliance Guarantee - 7
Term: 7 yr Min: $20,000 Withdrawal: 10% AM Best A++
5.20% Guaranteed APY
Mass Mutual
Premier Voyage 7
Term: 7 yr Min: $1,000,000 Withdrawal: 10% AM Best A++
5.00% Guaranteed APY
10-Year MYGA Rates Top 1 carriers
Reliance Standard Life Best Rate
Reliance Guarantee - 10
Term: 10 yr Min: $20,000 Withdrawal: 10% AM Best A++
5.30% Guaranteed APY

Rates updated: May 12, 2026, 8:44 pm ET · Source: AnnuityRateWatch. Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

3-Year MYGA Rates Top 2 carriers
Athene IA Best Rate
Athene Max Rate 3
Term: 3 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.00% Guaranteed APY
Athene IA
Athene Max Rate 3 (state specific)
Term: 3 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.00% Guaranteed APY
4-Year MYGA Rates Top 2 carriers
Nationwide Life Insurance Company Best Rate
Secure Growth 4 MVA
Term: 4 yr Min: $100,000 Withdrawal: 10% AM Best A+
3.90% Guaranteed APY
Integrity Life Insurance Company
MultiVantage 4
Term: 4 yr Min: $20,000 Withdrawal: 10% AM Best A+
3.75% Guaranteed APY
5-Year MYGA Rates Top 2 carriers
Protective Life Best Rate
Secure Saver 5
Term: 5 yr Min: $75,000 Withdrawal: 10% AM Best A+
5.25% Guaranteed APY
Athene IA
Athene Max Rate 5
Term: 5 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.20% Guaranteed APY
6-Year MYGA Rates Top 1 carriers
Integrity Life Insurance Company Best Rate
New Momentum 6
Term: 6 yr Min: $5,000 Withdrawal: 10% AM Best A+
3.60% Guaranteed APY
7-Year MYGA Rates Top 2 carriers
Athene IA Best Rate
Athene Max Rate 7
Term: 7 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.30% Guaranteed APY
Athene IA
Athene Max Rate 7 (state specific)
Term: 7 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.25% Guaranteed APY
9-Year MYGA Rates Top 2 carriers
Securian Financial Best Rate
SecureOption Choice 9
Term: 9 yr Min: $500,000 Withdrawal: 10% AM Best A+
5.20% Guaranteed APY
Securian Financial
SecureOption Choice 9 CA
Term: 9 yr Min: $500,000 Withdrawal: 10% AM Best A+
5.10% Guaranteed APY
10-Year MYGA Rates Top 2 carriers
Integrity Life Insurance Company Best Rate
MultiVantage 10
Term: 10 yr Min: $20,000 Withdrawal: 10% AM Best A+
4.00% Guaranteed APY
Integrity Life Insurance Company
New Momentum 10
Term: 10 yr Min: $5,000 Withdrawal: 10% AM Best A+
3.75% Guaranteed APY

Rates updated: May 12, 2026, 8:44 pm ET · Source: AnnuityRateWatch. Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

Rates sourced from AnnuityRateWatch. A-rated carriers (AM Best A− or better) only. Not a solicitation. Rates vary by state and deposit size. Verify current rates before purchasing.

Jason Caudill, MBA
Written by
Jason Caudill, MBA

Jason Caudill, MBA is the founder of My Annuity Store and has spent over 15 years helping clients protect retirement savings with annuities from top annuity companies. He is an independent licensed insurance agent, not affiliated with any single carrier, which means you always get unbiased guidance.

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