As of October 29, 2026, the highest 5-year MYGA rate on the A-rated public rate sheets we track is 6.10% (Delaware Life Pinnacle Plus, sheet effective October 21, 2026), against 4.78% on the 5-year Treasury (October 29, 2026) and 4.70% to 5.00% APY on the best nationally available 5-year CDs.
Your readers ask whether a multi-year guaranteed annuity beats a CD. This widget answers it on your page: a term, a deposit and a tax bracket in, the ending value of the best MYGA, a CD and a Treasury out, before and after tax. It is free, ungated, responsive, has light and dark themes and refreshes every week from our MYGA Rate Index.
One line. Put it where you want the calculator to appear.
If your editor strips script tags, use the iframe instead. It is the same widget.
| Attribute | Values | What it does |
|---|---|---|
| data-theme | light, dark, auto | Auto follows the visitor’s device setting. |
| data-accent | 6-digit hex, for example 1a4d8f | Your brand color for buttons and the headline number. Text contrast is set for you. |
| data-term | 3, 5 or 7 | Starting term. |
| data-amount | 1000 to 100000000 | Starting deposit. |
| data-fed, data-state | federal 0, 10, 12, 22, 24, 32, 35, 37; state 0, 3, 5, 6.5, 9.3, 13.3 | Starting tax assumptions. |
| data-lead | 1 | Optional. Adds a box where a visitor can email themselves the comparison. The address goes to Hans Goldstein, with a notice that says so. Off unless you set it. |
| data-host | your domain | Optional label so we can tell you how many readers used it. |
Method and full history: MYGA Rate Index. Same math as the MYGA vs CD After-Tax Calculator.
The widget shows a plain text line, MYGA vs CD by Hans Goldstein, as a nofollow link. It stays on. If you quote the rates in your writing, please cite the data page the way you would any source, for example: Rates from the MYGA Rate Index (Hans Goldstein, hansgoldstein.com), as of October 29, 2026.
Yes. There is no fee and no account. You paste one line of code.
A term, deposit, tax bracket and CD rate, then the ending value of a MYGA, a CD and a Treasury before and after tax, with the rates dated and sourced. The result is never hidden behind an email form.
The widget reads one data file that is rebuilt every week from the MYGA Rate Index, which records the sheet date of every MYGA rate, the date of every CD reading and the date of every Treasury yield.
A visible text line under the widget, MYGA vs CD by Hans Goldstein. It is a nofollow link, it cannot be removed with an option and it carries no keywords. If you cite the data in your article, please link the MYGA Rate Index page as a normal reference.
No, not unless you turn it on. Adding data-lead="1" shows an optional box that emails the visitor their comparison and sends the address to Hans Goldstein, with a plain notice of who receives it. Leave it off and nothing is collected.
Yes. data-accent takes a six-digit hex color for buttons and the headline number. data-theme takes light, dark or auto.
Hans Goldstein is an independent licensed insurance producer (NPN 20602398; CA Insurance License #4273294). This widget is for educational and illustrative purposes only and is not a personalized recommendation, solicitation or offer of any product. Outputs are approximations using public rates as of the date shown; actual carrier illustrations may differ. Tax discussion reflects federal law as of 2026. Consult a CPA or licensed professional before acting.
Hans Goldstein is an Enrolled Agent, admitted to practice before the Internal Revenue Service. Not affiliated with or endorsed by the IRS. General education, not tax or legal advice for your situation.