The Gift Calculator may now be used to illustrate a Deferred Payment Gift Annuity, which is similar to an "immediate" Annuity except that income is delayed until a future date chosen by the donor. Delaying the start of income payments may significantly increase your rate of return.

UCC rates for Deferred Payment Gift Annuities are limited to the percentages set forth below of the American Council on Gift Annuities recommended rates. That is, if you wish to defer income payments for more than five years, multiply the "Payout Rate" which is produced by your gift calculation by the percentage listed below, according to the deferral period you have chosen. If you have questions about this, please contact the Financial Development Ministry at (800) 846-6822 or giving@ucc.org.