Calculator
Free tool
The annuity income calculator
Tell us about your situation and see the estimated lifetime income your savings could produce — matched to the highest-paying income annuities we review.
Estimate your lifetime income
- Built for pre-retirees & retirees
- An income estimate in seconds
- Compare the top-paying carriers
Illustrative estimate — not a quote.
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Estimate your lifetime income
A few details about your situation, and we'll estimate the income your savings could produce — then rank the income annuities we review by how closely each one fits.
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Tell us about your situation
We'll estimate the lifetime income your savings could produce.
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Common questions
About this tool and how results are generated.
How does this income calculator work?
You tell us your age, state, how much you'd put toward income, when you'd like income to begin, and whether you're covering one life or two. We estimate the lifetime income that amount could produce and rank the income annuities we review by how closely each one fits your scenario.
Is the income figure a quote or an estimate?
It's an estimate, not a binding quote. The income shown is illustrative — based on typical payout rates for your age and deferral period — to give you a realistic ballpark. For exact income projections and personalized illustrations, use the 'Get My Quote' button on any result card to start a free analysis with real carrier data.
Why do results change based on my state?
Some annuity products, riders, and features are only available in certain states. For example, some products are limited to California, while others are not available in New York. We filter results so you only see products that are available where you live.
What does 'qualified' vs 'non-qualified' mean?
A qualified annuity is funded with pre-tax dollars, typically from an IRA or employer plan. A non-qualified annuity is funded with after-tax dollars. The distinction affects how withdrawals are taxed and which products may be the best fit for your situation.
Can I change my answers and see different results?
Yes. You can go back to any step and adjust your selections. You can also click 'Refine My Search' on the results page to start over with different priorities.
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