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Annuity Calculators: Income & Growth Estimates (2026)

Free annuity calculators to estimate income, project growth, and compare your options. Immediate annuity (SPIA) estimator and fixed annuity growth projector — no signup required.

Immediate Annuity Calculator

Estimate only

Quick ballpark estimate of lifetime income from a single-premium immediate annuity (SPIA). Actual quotes vary by carrier, rate date, and state.

Applies a global +/- % to estimated payouts. Use when the market heats up or cools down.
Minimum $5,000. Try $100,000 for easy math.
Move the slider or type an age.
Longer guarantees typically reduce income.
Some states impact availability and pricing.
Assumptions & Methodology

Baseline payout factors are annual income per $1 of premium, by age and gender, with Life Only as the base.

Period certain adjustment: 10-year certain = ~2% reduction; 20-year certain = ~2.5% reduction.

Joint life adjustment: 6–12% reduction depending on average age of both lives. Survivor percentage scales that reduction.

Anchor factors (annual per $1 premium):

  • Male: 50=0.053, 55=0.057, 60=0.062, 62=0.065, 65=0.073, 67=0.076, 70=0.082, 72=0.087, 75=0.096, 80=0.115, 85=0.142, 90=0.180
  • Female: 50=0.051, 55=0.054, 60=0.059, 62=0.062, 65=0.067, 67=0.070, 70=0.076, 72=0.081, 75=0.090, 80=0.108, 85=0.134, 90=0.170

These are mid-market approximations for educational purposes. Request a live carrier illustration for binding quotes.

Fixed Annuity & MYGA Calculator
Initial premium (before taxes/fees).
Please enter an amount greater than 0.
Annual nominal rate. APY varies with compounding.
Please enter a rate between 0% and 20%.
Guaranteed period (typical MYGA terms are 2–10 years).
Please enter a whole number of years between 1 and 20.
Most MYGAs credit annually.
Interest treatment:
Educational tool. Contract crediting, MVAs, and surrender charges vary by carrier. Request a carrier illustration for exact figures.

Projected Maturity Value

$0

Total Interest

$0

Effective APY

0.00%

Enter your numbers to see the projection.

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Required Minimum Distribution (RMD) Calculator

Calculate your Required Minimum Distribution based on IRS life expectancy tables. See projected withdrawals across your retirement.

Open RMD Calculator
IRS Life Expectancy Tables

Uses the latest Uniform Lifetime Table to calculate your annual required withdrawal.

Multi-Year Projections

See how your RMDs change over time with a full year-by-year withdrawal schedule.

Growth Rate Modeling

Factor in expected portfolio growth to see projected balances alongside withdrawals.