How Much Does a $100,000 Annuity Pay Per Month?

How Much Does a $100,000 Annuity Pay Per Month

As of December 3, 2022, a $100,000 annuity would pay you $545.83 per month if you purchased the annuity at 65 and began taking payments immediately.

How Much Does a $100,000 Annuity Pay Per Month?

I ran annuity quotes from 56 different insurance companies to determine how much guaranteed income a $100,000 annuity would pay you per month.

In this guide, I will list the best $100,000 annuity payouts based on:

  • Age at the time of purchase
  • Number of years you defer your annuity payments
  • Joint and Single Life Payout Options

$100,000 Annuities with Best Payouts

Immediate Lifetime Income: Age 60

AnnuityMonthlyAnnualRatingFee
Symetra$417$5,000A1.20%
Nassau Re$412$4,940B+.95%
Great American$398$4,770A+1.15%

Immediate Lifetime Income: Age 65

AnnuityMonthlyAnnualRatingFee
Nationwide$479$5,665A+1.00%
Sentinel Security Life$459$5,508B++1.05%
Symetra$398$5,500A1.20%

Immediate Lifetime Income: Age 70

AnnuityMonthlyAnnualRatingFee
Sentinel Security Life$504$6,048B++1.05%
Global Atlantic$500$6,000A1.00%
Nationwide$495$5,940A+1.00%

What is the Highest Paying Annuity Right Now?

The annuity table below shows the best monthly and annual payments for a $100,000 annuity if you begin taking payments immediately. 

Immediate lifetime payments are based on how old you are when you purchase the annuity; the older you are the higher your monthly income will be.

AgeMonthlyAnnually
55$469$5,628
56$474$5,688
57$479$5,748
58$488$5,856
59$498$5,976
60$508$6,096
61$519$6,228
62$529$6,348
63$540$6,480
64$550$6,600
65$561$6,732
66$571$6,852
67$582$6,984
68$592$7,104
69$603$7,236
70$613$7,356

What Will a $100K Annuity Pay in the Future?

The longer you wait to begin your annuity payments, the higher the monthly payouts will be. The table below gives you a good idea of what your lifetime payments would be in the future.

AgeIn 5 YearsIn 10 yearsIn 20 Years
40$10,538
45$11,858
50$8,872 $13,005
55$6,603 $10,000 $14,433
60$7,648 $10,800
65$8,160 $11,689
70$9,010 $14,108
75$10,568

How Much Interest Does a $100,000 Annuity Pay Per Year?

A $100,000 annuity would pay you $5,747.99 in interest per year.

Enter your initial investment amount, the fixed annuity rate, and the term in the calculator below then hit CALCULATE.  

By default, you will see your monthly interest payments – just click the monthly tab to see how much interest you would receive per month.

Annuity Payout Calculator

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Frequently Asked Questions

Our research found that a $750,000 annuity would pay you between $3,125 and $9,083 per month for life. Income amounts vary based on age at the time of purchase, and how long you wait to begin taking your income payments.

Single-Premium Immediate Annuities do not charge a fee. However, there is a fee to add a guaranteed income rider to a deferred annuity. The fee comes out of your account value and does not reduce your annuity payments.

Generally speaking, the best time to buy an annuity intended to generate lifetime income is 10 years prior to taking lifetime income payments. So if your desired retirement age is 65, you should purchase your income annuity at age 55 or shortly thereafter to maximize the benefits provided by lifetime income riders.

A $200,000 annuity would pay you approximately $958 per month for life if you purchased the annuity at age 65 and began taking payments immediately.

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