An annuity can provide a guaranteed income stream in retirement, but understanding what your contributions will actually pay out — and when — requires running the specific numbers rather than relying on a sales pitch. This calculator estimates the future value or payout of an annuity based on your contribution amount, rate, and time horizon.
USA Annuity Calculator
Estimate future growth during accumulation and guaranteed payout stream during retirement.
Accumulation Balance vs Total Contributions
Year-by-Year Growth Breakdown
| Year | Total Contributions | Interest Earned | End Balance |
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Annuities work on the same compounding principles as other long-term investments, just with different payout structures and guarantees. For the full explanation of how compounding drives long-term growth, read our guide on how compound interest works, and compare your annuity projections against our 401k calculator or compound interest calculator to see which retirement vehicle fits your goals best.
Enter your contribution details above to see your projected annuity value or payout.