Retirement Income Tool
Income Annuity Estimator
See how much guaranteed monthly income your savings could generate through an immediate income annuity.
I built this estimator for clients exploring guaranteed income as part of their retirement plan.
No sign-up required · Instant results
Estimated Monthly Income
$0/mo
$0 per year
7.15% effective payout rate
Based on a $250,000 investment at age 65, you could receive approximately $1,490/month in guaranteed income for life, with payments guaranteed for at least 10 years.
Compare Payout Options
Life Only pays the highest income. Longer guarantee periods reduce monthly payments but protect your beneficiaries.
Want to explore if an income annuity fits your retirement plan?
A Farther advisor can help you evaluate annuity options alongside your full financial picture.
Schedule a Virtual MeetingAt 65, a $250,000 premium pencils to $1,490/month for life. The right move depends on the rest of your retirement income.
This is an estimate, not a number to plan around alone.
This calculator is an educational tool to help you think through scenarios. The results are illustrative estimates based on the inputs you provided and general assumptions. They are not financial advice, and the numbers shown should not be relied on as exact to your situation.
Real outcomes depend on factors a calculator can't fully model: your complete tax picture, plan-specific rules, market performance, IRS rate changes, life events, and how all the pieces of your financial life interact. Past performance does not guarantee future results.
Payout rates shown are hypothetical and based on industry averages as of Q1 2026. They do not represent any specific annuity product, are not guaranteed, and are not an offer to sell or solicitation to purchase any annuity. Actual quotes will vary based on the insurance carrier, current interest rates, product features, and underwriting. Annuities are insurance products and may involve surrender charges, fees, and other limitations. Farther Finance Inc. is a registered investment adviser with the SEC; registration does not imply a certain level of skill or training. See our Form ADV Part 2A on the disclosures page.
Before making any decision based on these numbers, let's talk. I'll look at your full picture, pressure-test the assumptions, and help you understand what these numbers actually mean for you, at no cost.