Annuity Calculator

Calculate annuity payments and growth. Estimate monthly income from an immediate annuity or project deferred annuity growth over time.

How much income will my lump sum generate?

Investment Amount

The lump sum you invest into the immediate annuity.

Annual Interest Rate (%)

The guaranteed annual rate of return on your annuity. Typical range: 3-6%.

Payout Period (Years)

How many years you want to receive payments from the annuity.

Payout Frequency

How often you receive annuity payments.

What is an annuity?

An annuity is a financial product that provides regular income payments in exchange for an initial investment. Immediate annuities start paying right away, while deferred annuities grow your money over time before converting to income. They are commonly used for retirement planning to guarantee a steady income stream.

Enter your annuity details and click "Calculate Annuity" to see your results.

Annuity Guides

Income & Payouts

How much income will a $100K or $500K annuity provide? Monthly payout tables and income targets.

Read guide

Types & Returns

Fixed vs variable, immediate vs deferred, and what return rate to expect.

Read guide

Duration & Timing

How long payments last, lifetime vs term options, and the best age to buy.

Read guide

Fees, Taxes & Withdrawals

Hidden annuity costs, how withdrawals are taxed, and early withdrawal penalties.

Read guide