Calculator
Annuity Calculator
Calculate annuity payments or required investment — fixed or growing, with payment schedule and market comparison.
🎯What do you want to know?
📊Results
$659.96
starting payment
Monthly Payment
$158,389
over 20 years
Total Paid Out
$58,389
earned on investment
Total Interest
240
monthly payments
Total Periods
📈Annuity vs. Market Investment
Comparing your annuity to a lump-sum investment in the market (assumes 7% annual return, 4% withdrawal rule).
🏛️ Annuity
$659.96
Monthly — guaranteed
✓ Guaranteed income
✓ No market risk
✗ Less flexibility
✗ Inflation risk (fixed annuity)
📈 Market (7% return)
$1,289.89
Monthly — 4% rule withdrawal
✓ Growth potential
✓ More flexibility
✗ Market risk
✗ May run out of money
📅Payment Schedule
Showing first 60 of 240 periods