Charitable Gift Annuity Sample Rates
This is an educational illustration and does not represent legal or tax advice. Please consult your legal and tax advisors about your specific situation.

 

This information is taken from the American Council on Gift Annuities (ACGA) suggested interest rates for charitable gift annuities effective January 1, 2024. The tables published by the ACGA are extensive. For specific information regarding exact ages, please contact us.

The annuity rate is determined at the time the gift is made and will not be affected by future rate changes. As a portion of the annuity is a gift, you will receive an income tax deduction for the portion that is the gift. A portion of the annual annuity income may be exempt from Federal Taxes as it is considered a return of principal. If the annuity is funded with appreciated assets, income subject to capital gain taxes will be deferred over the estimated life of the annuitant. A two-life annuity will make payments to you and your spouse or other annuitant for life without a reduction in payment upon the first death. Your joint ages at the time you make the gift determines the annuity rate.

Single Life
Two Lives - Joint and Survivor
Age
Rates
Ages
Rate
60 5.2%   60/65 4.8%
65 5.7%   65/70 5.2%
70 6.3%   70/75 5.8%
75 7.0%   75/80 6.5%
80 8.1%   80/85 7.3%
85 9.1%   85/90 8.7%
90 10.1%   90/95 9.9%
      95+ /95+ 9.9%

Please note, individual financial circumstances will vary. The information on this site is meant as general information and does not represent legal or tax advice.. As with all tax and estate planning, please consult your attorney or estate specialist. All material is copyrighted and is for viewing purposes only. This News and Information section has been compiled by Future Focus. Please report any problems to the webmaster.

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