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How much have you saved for retirement?
A range is fine — we only need it to estimate. There is no minimum amount required to purchase an annuity, though the national average is $150,000.
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How old are you?
Age is the biggest factor in what an annuity can pay.
Please enter an age between 40 and 95.
Income annuities are usually built for age 55 and up
At what age do you want income to start?
Waiting longer generally means a larger monthly payment when payments begin.
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Full disclosures
How this estimate is produced. The ranges shown come from a set of blended market rate ranges maintained by Annuity.org and current as of August 31, 2026. They are illustrative. They are not an application, an offer, a recommendation, or a contract, and no carrier has reviewed your information.
Income estimates. Income figures assume a single premium, a single life with cash refund payment option, and payments beginning on the schedule you selected. Joint-life, period-certain, and inflation-adjusting payment options generally produce a lower monthly amount. Payment amounts depend on your date of birth, sex where permitted by state law, state of residence, premium amount, the carrier, and the product selected.
Accumulation estimates. Values assume the full amount stays with the carrier for the entire term and that no withdrawals are taken. Withdrawals above any free-withdrawal amount may be reduced by surrender charges and market value adjustments. Interest rates are set by the issuing insurance carrier.
Product features. Any income or interest features described are contractual features of the policy issued by the insurance carrier and are backed by the financial strength and claims-paying ability of that carrier. Annuity.org does not issue policies and does not back any payment.
Taxes. Annuities have tax consequences that depend on how the contract is funded and how money is taken out. Withdrawals before age 59½ may be subject to an additional federal tax. Annuity.org does not provide tax or legal advice. Please speak with a qualified professional about your situation.
Educational tool. This is a general educational tool providing general educational information and estimates only. It does not provide advice directed to your individual circumstances and is not a recommendation to purchase, exchange, or replace any annuity. Please consult a licensed insurance professional and your own tax and legal advisors before purchasing any annuity.
How we're paid. Although Annuity.org is a licensed insurance agency, we do not sell annuities or any insurance products. We connect consumers with independent, state-licensed professionals and are compensated for those connections. That compensation does not change the estimate shown here.
Licensed insurance agency · How we're paid
Although Annuity.org is a licensed insurance agency, we do not sell annuities or any insurance products; we connect consumers with independent, state-licensed professionals and are compensated for those connections.
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A monthly income range grounded in current market rates, plus a simple breakdown of what’s driving the number.
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Built on data, not a sales pitch.
Annuity.org’s research is reviewed by our in-house team of financial editors, and the rate data behind every estimate is refreshed on a monthly basis, so what you see reflects current market conditions, not a marketing schedule.
Reviewed by our in-house editorial team before publishing
Market rate data refreshed every month
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If you choose to purchase a policy through a professional we connect you with, the carrier may pay us a commission — never you, and never more because you came from this page. It has no effect on your rate, and no effect on what our editorial team publishes.
Read our full disclosures →What guaranteed income actually protects you from
Outliving your savings
Income continues for as long as you live, regardless of how long that turns out to be.
Market swings
Your monthly payment doesn’t move when the market drops — it’s set, not invested.
Not knowing your number
A clear monthly figure, so budgeting for retirement stops being a guess.
Before you start
Is this actually free?
Yes. Getting your estimate and speaking with a licensed professional both cost nothing, and neither obligates you to buy anything.
Is this a real quote, or an estimate?
It’s an estimate based on current market rates and the details you provide, not a binding quote or offer. A licensed professional can run the real carrier numbers for you at no cost.
Is my information kept private?
Yes. We don’t sell your information. See our privacy policy for the full detail on how it’s used.