Income from annuity.
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Professional Financial Tools
8/25/2026
The single premium you hand the insurer to buy the income stream
Life options pay until you die. Period certain pays for a fixed number of years whether you live or not
Later start = higher monthly income, because the insurer expects to pay for fewer years
Women receive slightly less per month because they live longer on average. Some states require unisex pricing
The rate the insurer credits when pricing the contract. Higher rates mean higher payouts. 4.5-5.5% is typical in the 2026 market
Single life only, starting at age 65
Annual income as a percentage of your premium. Not an investment return — each payment is part interest, part return of your own principal
You recover the full premium at about age 78. Estimated life expectancy from age 65 is 21.2 more years
Remaining years from age 65, male, adjusted for annuitant mortality (annuity buyers live longer than the general population)