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Immediate Annuity Calculator

An immediate annuity is a product sold by insurance companies that is designed to provide you with an income stream for life. The income, by definition, is designed to start immediately, although some immediate annuities allow you to defer payments for up to one year. It is very important to remember that once you set up an immediate annuity, you no longer control the money you put in it. Likewise, while the income stream is guaranteed for your lifetime, an untimely death will not result in any money being returned to your estate. This calculator is designed to help you estimate your monthly payments from an immediate annuity.


After MSG_DEPLETE_YEARS you will have received and estimated TOTAL_AMOUNT_YOU_HAVE_WITHDRAWN in payments. This assumes you invest STARTING_AMOUNT with an annual rate of return of RATE_OF_RETURN and have a remaining lifespan of MSG_DEPLETE_YEARS. DELAY_START_ONE_YEAR. **GRAPH**
Results Summary
Amount to invest STARTING_AMOUNT
Your life expectancy MSG_DEPLETE_YEARS
Payment schedule DELAY_START_ONE_YEAR
Annual rate of return RATE_OF_RETURN
Total distributions after YEARS years TOTAL_AMOUNT_YOU_HAVE_WITHDRAWN

*This calculator assumes that payments occur at the beginning of each period.

Cumulative Payments by Year


Immediate Annuity Calculator Definitions

Amount to invest
The amount you wish to invest in your immediate annuity.
Your life expectancy
The number of years you expect to live and receive payments.
Annual rate of return
The annual rate of return for the immediate annuity.

Frequency of payments
How often payments are made to you from the immediate annuity. Options include monthly, quarterly and annually. This calculator assumes that your distribution occurs at the beginning of each period.

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