Immediate Annuity Lifetime Income Calculator (2025 Rates)
Planning for a secure retirement starts with guaranteed income. An Immediate Annuity ensures that you receive predictable lifetime payments, protecting your financial future.
Use our Immediate Annuity Lifetime Income Calculator to see 2025’s latest rates from 15+ top-rated insurance providers and determine how much you can receive each month based on your investment.
Calculate Your Lifetime Income Instantly
To estimate your monthly annuity payout, consider the following factors:
- Your Age – The older you are when starting the annuity, the higher your payments.
- State of Residence – Annuity rates vary based on state regulations and providers.
- Premium Amount – The more you invest, the larger your monthly income.
- Income Start Date – Choosing immediate payments ensures instant financial security.
Enter your details into our calculator to receive a customized annuity income estimate tailored to your financial goals.
How Much Does a $1,000,000 Annuity Pay Monthly?
If you invest $1,000,000 in an immediate annuity, your monthly payout will depend on your age. For example:
- A 65-year-old retiree would receive approximately $75,900 annually, equating to $6,325 per month.
- By age 80, the annual payout increases to approximately $96,600, or $8,050 per month.
These payments provide guaranteed lifetime income, ensuring long-term financial stability.
How Much Does a $100,000 Annuity Pay Monthly?
A $100,000 annuity provides a steady stream of income, with payouts varying by age:
- A 65-year-old would receive $7,590 annually or $632.50 per month.
- At 80 years old, this amount increases to $9,660 annually or $805 per month.
These figures reflect a single lifetime payout starting immediately.
How Much Does a $500,000 Annuity Pay Monthly?
A $500,000 immediate annuity delivers significantly higher monthly payments:
- A 65-year-old could expect $37,950 annually, or $3,162.50 per month.
- An 80-year-old would receive $48,300 annually, or $4,025 per month.
This option is ideal for individuals seeking long-term, reliable retirement income.
Why Choose an Immediate Annuity?
An Immediate Annuity is an excellent way to secure financial independence in retirement. It provides:
- Guaranteed Lifetime Income – Protects against outliving your savings.
- Stable & Predictable Payments – Removes stock market uncertainty from your retirement planning.
- Flexible Payout Structures – Choose single or joint life annuities to fit your needs.
- Top-Rated Providers – We compare 15+ carriers to ensure you get the best rates available.
Get Your Personalized Annuity Quote Today
Want to see real-time annuity rates from 15+ top-rated providers?
Fill out our quick quote form to receive customized lifetime income estimates tailored to your financial situation. There’s no obligation—just transparent, expert guidance to help you make the best decision for your retirement.
Plan today to secure your financial future. Get your free annuity quote now!
