Wheaton College has adopted gift annuity rates recommended by the American Council on Gift Annuities. The rates provided by this calculator are based on the ACGA rates. Please note, however, that the IRS discount rate, which is used to determine qualified gift annuity rates from month to month, may limit the rates which Wheaton can offer, occasionally causing the following calculated rates to be too high, particularly for younger ages (50-64). Thus, the rates provided by this calculator are for illustration only. To obtain the most accurate gift annuity information applicable to you and your situation, contact Wheaton's Office of Gift Planning Services for a customized, up-to-date, no-obligation illustration.