Annuity Laddering Calculator

Plan your retirement income strategy by laddering annuity purchases over time to hedge against interest rate risk and maximize lifetime income.

Annuity Laddering Calculator – Plan Your Retirement Income Strategy

Calculator Settings

Total Lump Sum Available
$500,000
The total amount of money you plan to invest in annuities over time. This is your starting capital for building your annuity ladder.
USD

Annuity Ladder Timeline

Future Interest Rate Estimate
4.5%
The expected annual interest rate for future annuity purchases. This affects the income generated by annuities bought later in your ladder.
Include Inflation Adjustment

Test Scenarios

See how changes in interest rates affect your annuity ladder strategy.

Higher Rates (+2%)
More favorable future rates
Lower Rates (-2%)
Less favorable future rates

Results Overview

$42,500
Peak Annual Income
65
Income Start Age
$500,000
Lump Sum Utilized

Income Stream Projection

Ladder Strategy
Single Purchase
Strategy Comparison

By laddering your annuities: Your income at age 80 will be $12,400 higher than with a single annuity purchase.

Annual Income Breakdown

Swipe horizontally to view more years on mobile devices.

Age Ladder Income Single Purchase Difference
Table shows annual income in today’s dollars

Calculating Your Annuity Ladder

Processing your retirement income strategy…

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