Tax deferral calculator

Is your portfolio as tax-efficient as it can be? 

Use our tax deferral* calculator to learn how non-qualified annuities could help reduce tax drag on investments and help achieve your financial goals.

Our tax deferral calculator uses assumptions and analytics to determine how placing your money in a tax‑deferred account may perform relative to a taxable account. This information can help you make decisions about the tax efficiencies of each account and the possible financial outcomes.

What is an annuity?

Annuities are long-term, tax-deferred vehicles designed for retirement and are insurance contracts. Variable annuities and registered index-linked annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met

*Tax deferral offers no additional value if an IRA or qualified plan, such as a 401(k), is used to fund an annuity and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.

Jackson has contracted with FinMason to provide a Monte Carlo analysis of the user's input assumptions. Investors should consider his or her current and anticipated time horizon and income tax bracket when making an investment decision. Jackson is not affiliated with FinMason, Inc.

IMPORTANT: The projections or other information generated by the Tax Deferral Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

For important information regarding the assumptions and methodology used in the analysis, click the Print button on the Results & Print Report page.


Additional resources

Explore all of the tax-deferral resources Jackson has to offer. 

Retirement expense & income calculator

This calculator can help to detect areas that may need improvement by assessing your current and future expenses, along with a proposed solution based on any retirement income gaps.

Social Security calculator

Powered by Envestnet MoneyGuide, this calculator is designed to help decide when to start collecting monthly benefits.

Taxes are like a jar of jellybeans

Get a step-by-step look at tax brackets pre- and post-retirement with our digital walkthrough.

Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses provide this and other important information. Please contact your financial professional or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer's individual set of facts and circumstances. Clients should rely on their own independent advisors as to any tax, accounting, or legal statements made herein.

Annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) or in New York by Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions. Contact Jackson for more information.

Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company®, and Jackson National Life Insurance Company of New York®.