Calculator
Free tool
The annuity income calculator
Tell us about your situation and see the lifetime income your savings could produce — ranked by what carriers are actually paying for your scenario today.
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 then look up what carriers are actually paying for that exact scenario and rank the products by the income they produce — highest first. If you're covering two lives, we ask for your spouse's age too, because the younger life sets the payout rate.
Is the income figure a quote or an estimate?
It's an illustration, not a binding quote — but the payout rates behind it are real. Each figure comes from that specific carrier's current filed rates for your age, deferral period, and whether you're covering one life or two, scaled to the amount you entered. It is not a model or an average. What it can't account for is anything specific to you that an application would surface, so treat it as a realistic comparison rather than a number you're being offered. Use 'Get My Quote' on any card to start a free analysis and get a personalized illustration.
Why do some scenarios show no results?
We only show income figures we can source from a real carrier quote, so there are scenarios we can't answer yet. Our quotes currently run from age 40 through 85, and they're pulled scenario by scenario, so an unusual combination of ages may not have been quoted yet. Availability is also filed state by state — a scenario we can quote elsewhere may have no products available where you live. In each case we'd rather show you nothing than a number we can't stand behind.
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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