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Annuity Calculator — Monthly Retirement Income, 4% Rule, Scenario Compare

Annuity & retirement calculator — see monthly income from your savings, accumulation + payout phases, multiple scenarios.

  • Runs locally
  • Category Calculator
  • Best for Getting a realistic range before a purchase, plan, workout, or schedule decision.
Your situation
Compare scenarios
What you get
Pot at retirement
$2,376,362
Monthly income (annuity)
$12,543
Monthly income (4% rule)
$7,921
Pot runs dry at
120+
Annuity income assumes a level monthly payment that fully draws down the pot over the payout horizon. The 4% rule fixes the first-year withdrawal at 4% of the retirement pot and lets the pot run on the post-retirement return.
Account balance over your lifetime
$0$594.1K$1.19M$1.78M$2.38M3045607590
AccumulatingDrawing down
Cyan = accumulation phase (you contribute and grow). Purple = payout phase (you withdraw the level annuity). The peak is your retirement pot.
Three risk profiles, same inputs
ScenarioPot at retireMonthly income4% depletes at
Conservative · bonds 3%$884,259$4,667120+
Balanced · 60/40 6%$1,830,888$9,664120+
Aggressive · equities 8%$3,108,510$16,408120+

What this tool does

Free annuity and retirement income calculator that walks the full arc of retirement planning: enter your current age, target retirement age, life expectancy, current savings, monthly contribution and the return rate you expect before and after you stop working, and it tells you four things you actually care about — how big your pot will be the day you retire, what level monthly check that pot can cut for you until your stated life expectancy, what monthly check the 4% safe-withdrawal rule (the one from the 1998 Trinity Study) would write, and at what age that 4% rule would finally drain the account given the post-retirement return you fed in. A two-color SVG curve plots your account balance year by year over your entire lifetime — a cyan upslope while you accumulate, a purple downslope after you start drawing — so you can literally see the peak and the decline. A side-by-side scenario table runs your exact inputs through three risk profiles (conservative 3% bonds, balanced 60/40 6%, aggressive equities 8%) so you can answer "what does another 2% on the equity side actually buy me" in real numbers. Everything runs 100% in your browser, nothing leaves the device, and the math under the hood is the standard PV-of-annuity formula PMT = PV·i / (1−(1+i)^−N) plus a month-by-month simulation for the 4% rule. Built for anyone in the FIRE crowd sizing their number, US savers planning rollovers, parents working out whether they'll outlive a Roth, and people just curious whether their current contribution rate gets them anywhere close to retirement.

Tool details

Input
Numbers
The page exposes text boxes, numeric controls, file pickers, or structured inputs depending on the tool.
Output
Live result + Preview
The result area focuses on usable output, with copy, download, or preview actions when supported.
Privacy
Browser-side processing
The main tool logic does not call an external API, so inputs normally stay in the current tab.
Save / share
Shareable URL state
Key settings are encoded in the URL so another person can reopen the same setup.
Performance budget
Initial JS <= 28 KB
No WASM budget is declared, keeping the tool quick to open on mobile.
Best fit
Calculator · Marketer
Category and role tags drive related tools, internal links, and quick fit checks.

How to use

  1. 1. Input

    Paste or drop your content into the tool panel.

  2. 2. Process

    Click the button. All processing is local in your browser.

  3. 3. Copy / Download

    Copy the result or download to disk in one click.

How Annuity Calculator fits into your work

Use it for fast estimates, comparisons, and planning numbers before you make the final call.

Calculation jobs

  • Getting a realistic range before a purchase, plan, workout, or schedule decision.
  • Comparing scenarios by changing one input at a time.
  • Turning rough assumptions into a number you can discuss.

Calculation checks

  • Double-check units, dates, rates, and rounding assumptions.
  • Treat health, finance, tax, and legal outputs as planning aids, not professional advice.
  • Save the inputs that produced an important result so you can reproduce it later.

Good next steps

These links move the current task into a more complete workflow.

  1. 1 Expense Tracker Expense tracker — log spend, categorize, see monthly totals, all in your browser. Open
  2. 2 Compound Interest Calculator Compound interest calculator — see how money grows over time, with monthly contributions, charts, and breakdown. Open
  3. 3 Mortgage Calculator Mortgage calculator — monthly payment, total interest, amortization schedule, early payoff scenarios. Open

Real-world use cases

  • Checking whether $400k at 45 actually gets you to 65

    You are 45, sitting on $400k in a 401k, adding $1,500 a month, and you want a reality check before assuming the plan works. Enter age 45, retirement 65, life expectancy 90, 7% pre and 4% post. The pot lands near $1.6M, the annuity row shows roughly $8,200 a month to age 90, and the 4% row shows about $5,300. Now you know the gap between «what I can drain» and «what is safe» in your own numbers.

  • Pricing what another 2% on equities is really worth

    A coworker swears going all-equity beats your 60/40. Feed your real inputs once and read the scenario table: conservative 3%, balanced 6%, aggressive 8%. Same age, same $2,000 monthly contribution, the aggressive column might show a pot $700k larger at 65. Seeing the dollar gap, not the percentage, is what makes the risk tradeoff concrete enough to actually decide on.

  • Stress-testing a FIRE number against a long life

    You target retiring at 50 with $1.2M and worry about living to 95, a 45-year drawdown. Set retirement 50, life expectancy 95, post-retirement return 4%. The 4% depletion age tells you whether the pot survives the full stretch or runs dry at 88. If it drains early, bump the contribution or push retirement to 52 and watch the depletion age move past 95 before you commit.

  • Sizing the gap Social Security will not cover

    The SSA estimator says you will get about $2,400 a month, and you want $6,000 to live on. The missing $3,600 has to come from savings. Run this tool with your current age and balance, then adjust the monthly contribution until the annuity row clears $3,600. That target contribution is the number to take to your budget, instead of guessing whether «maxing the Roth» is enough.

Common pitfalls

  • Mixing pre-tax and post-tax money. A $500k traditional 401k is pre-tax, so the monthly income shown is also pre-tax; budget for ordinary income tax before treating it as spendable.

  • Plugging in nominal returns and reading the result as today's dollars. Enter 7% nominal and the $8,000 a month is future dollars; use real returns like 4% if you want the output in today's purchasing power.

  • Assuming the «annuity» and «4% rule» numbers should match. They answer different questions; the annuity drains the pot to zero by your life expectancy, the 4% number is deliberately cautious and usually lower.

Privacy

Every number you enter, your age, savings, monthly contribution and return rates, stays in your browser tab and never hits a server. None of it is written to the URL either, so a link you copy carries no financial details. Close the tab and the inputs are gone; the page even keeps calculating offline.

FAQ

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Made by Toolora · 100% client-side · Updated 2026-06-13