Lifetime Annuity Income Estimator

See how much guaranteed monthly income a lump sum could produce. Compare options like deferral, survivor benefits, and inflation protection.

Used to estimate life expectancy

$

Amount you'd put into the annuity

Payments begin immediately

Payments continue to spouse after your death

Inflation Protection

~2% annual increase, lower starting payment

Estimated Monthly Income
$1,269
$15,228 per year
Life Expectancy
Age 84
19 years of payments
Total Lifetime Payments
$289,327
If you live to 84
Payout Ratio
145%
Total nominal payout ÷ premium (not adjusted for inflation or time value of money)
Break-Even Analysis
Your investment$200,000
Total payments (to life expectancy)$289,327

This is an estimate based on current annuity pricing assumptions (4% pricing rate, 3.5% deferral growth). Actual annuity quotes vary by insurance company, interest rates, and your health. Always get multiple quotes from licensed providers.

Get the Full Picture with Evernest

An annuity is one piece of your income puzzle. Evernest models annuity income alongside your portfolios, Social Security, pensions, and spending — showing you the complete picture of your retirement cash flow.