💰

Annuity Calculator

Immediate vs deferred annuity payouts from a lump sum.

Lump Sum Premium

Annuitant Age

Annuity TypeYears to Defer (deferred only)

Expected Return % (deferred)

Expected Years of Payout

Monthly payout (estimate)

$938

Annual$11,250

Total paid out$225,000

Effective return-10%

Annuity payouts vary widely by carrier and product. SPIA quotes are easy to compare; variable/indexed annuities add complexity. Always compare to bond ladder + 4% rule.