The Time Value of Money calculators illustrate the effects of Time, Tax Rate and Interest Rate on your money. Compare the results between your current tax rate and the 0% tax bracket to see how tax- deferred annuities make it easier to achieve your financial objectives. Select a topic you would like to explore Explore Interest Rates and Compound Growth: Use the Rate of Return Calculator to find the annual interest rate necessary to achieve your financial target.   Explore Time and Compounding Growth: Use the Time of Return Calculator to determine how much time your annuity will take to reach your growth target.   Explore Starting Premiums and Compound Growth: Use the Premium Calculator to determine how much money you need to put in now in order to achieve your future financial goal.