Immediate Annuity Calculator

Calculate immediate annuity payments.

Immediate Annuity Calculator - Calculate Annuity Payments

Immediate Annuity Calculator

Calculate immediate annuity payments and analyze different payout options for retirement income planning

Annuity Parameters

$
%

Payment Details

Payment Amount

Total Payments

Total Return

Interest Earned

Analysis

Effective Rate

Break-even

Income Summary

Monthly Income:
Annual Income:
Income Percentage:

Payment Schedule (First 12 Payments)

Payment # Payment Amount Principal Interest Balance

Formula

Immediate Annuity Payment:

PMT = PV × [r × (1 + r)ⁿ] / [(1 + r)ⁿ - 1]

PMT = Payment amount

PV = Present value (purchase amount)

r = Interest rate per period

n = Total number of payments

Current Calculation:

PV =

Rate per period =

Number of payments =

Key Information

Advantages

  • • Guaranteed income stream
  • • Immediate payments start
  • • Tax-deferred growth
  • • Longevity protection

Considerations

  • • Limited liquidity
  • • Inflation risk
  • • Lower returns vs. investments
  • • Credit risk of insurer

Types

  • Life Annuity: Payments for life
  • Term Certain: Fixed period
  • Joint Life: Two lives covered
  • SPIA: Single Premium Immediate
v1.0.0.758733

Get Results of Immediate Annuity Calculator via Email

Save your calculations and get detailed breakdowns

We respect your privacy. No spam, unsubscribe anytime.

v1.0.0.758733