What could your savings pay you every month?

At age 65, life only, before tax: about $655–$700 a month for a man and $622–$665 a month for a woman, for life, starting about a month after purchase. Estimates are modeled from published carrier quote surveys as of October 1, 2026; exact quotes vary by carrier, state, and premium size.

About $1,639–$1,750 a month for a man and $1,555–$1,661 a month for a woman at age 65, life only, before tax — paid every month for life. Run the estimator above with your own age and amount for your personalized range.

About $3,277–$3,500 a month for a man and $3,111–$3,323 a month for a woman at age 65, life only, before tax, for life.

A guarantee trades a little monthly income for protection for your family. Estimated monthly income before tax — a 65-year-old man with $250,000: life only pays $1,639–$1,750 a month; life with 10 years certain pays $1,574–$1,681, and your beneficiary receives the remaining payments in the initial 10-year period if you die within it; life with cash refund pays $1,557–$1,662, and your beneficiary receives the premium paid minus payments already received, if any balance remains.

The estimates here start income about one month after purchase. Life payments continue every month for as long as you live — even past age 100. Our joint-life estimates assume 100% of the payment continues to the surviving spouse; other survivor percentages may be available.

All estimates here are before tax. With an income annuity bought using after-tax savings, payments generally include taxable income and a tax-free return of your investment until that investment is recovered; later payments are generally fully taxable. Payments funded entirely with pretax traditional IRA money are generally taxable as ordinary income. Qualified Roth IRA distributions are federally tax-free. After-tax IRA contributions and other circumstances can change the treatment. This is general information, not tax advice — IRS Publications 939 and 590-B cover the details.

They are modeled from published carrier quote surveys as of October 1, 2026. The survey publishes 5-year period-certain payouts; we model the other payout options from it, so these are not the survey’s published figures for those options. The low end of each range is modeled from the survey’s 8-carrier average and the high end from its best quote. The surveyed carriers are a market benchmark, not a list of carriers we represent. See “How these estimates are calculated” for the full method. We refresh the figures monthly.

No. Your estimate appears right away with no name, email, or phone required. You only share contact details if you want us to email the estimate or request personalized quotes.

Lifetime income is priced on how long payments are expected to last. The older you are when income starts, the fewer expected years of payments, so each monthly payment is larger.