How much does a $100,000 annuity pay per month?
Short answer: it depends mostly on your age, when income starts, and whether it covers one person or two. The fastest way to know is a live quote for your exact situation, which takes about 30 seconds.
What changes the monthly amount
- Age when income starts. The older you are when payments begin, the higher each payment, because they are expected to last fewer years.
- Waiting. Many income riders raise the future payment for each year you wait before turning income on.
- Single or joint. Income that continues for a spouse pays less per month than income for one life.
- Type of annuity. Immediate annuities start paying right away; fixed indexed annuities with an income rider can start now or later.
- State and insurer. Rates differ by insurer and are not available in every state.
See real dated examples
Our guide How much income does $100,000 or $250,000 buy? shows specific live quotes with their dates and AM Best ratings. Rates change often, so use those as examples, not offers.
Is $100,000 enough?
Compare the income with your essential bills minus Social Security or a pension. The Retirement Gap Check does that math for you.
See your own guaranteed income number
Enter your age, state, amount, and start age to get a live quote in about 30 seconds. One of our licensed advisors can walk you through the details. No pressure.
Show my guaranteed incomeFAQ
How much does a $100,000 annuity pay per month?
It depends on your age, when income starts, whether it covers one or two people, your state, and the insurer. A live quote for your situation is the only reliable number, and rates change often.
Is the monthly income guaranteed?
Lifetime income from an annuity is guaranteed for life by the issuing insurance company, backed by its financial strength and claims-paying ability. It is not FDIC-insured.
Do I lose access to my $100,000?
With an income rider you usually keep an account value you can access, but withdrawals above the free amount during the surrender period can trigger surrender charges, and withdrawals before age 59½ may face a 10% IRS penalty. An immediate annuity generally gives up access in exchange for income.