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Estimate lifetime monthly income from a Single Premium Immediate Annuity. Includes life-only, period certain, and joint-life with survivor benefit.
Use when SPIA rates are running above or below baseline. Default 0 reflects 2026 industry average.
| Estimated payout range (carrier variance) | |
| Annual income | |
| Annual payout rate | |
| Cumulative income to age 85 | |
| Cumulative income to age 90 |
Estimates are based on published July 2026 mid-market payout factors. Actual carrier quotes vary by state, gender, exact rate date, and underwriting. Range shown reflects typical +/- 5% spread among top 10 SPIA carriers. Joint-life calculations use the average of both ages with a survivor adjustment. Not tax or investment advice.
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