Single Premium Immediate Annuity (SPIA) Cash Refund Guarantee Payout Calculator 2026

Calculate lifetime guaranteed monthly payouts for a single life SPIA with a 100% Cash Refund Guarantee ensuring any remaining unliquidated principal is paid to beneficiaries upon death.

Underwriting Assumptions

Single Lump-Sum Premium ($)

Annuitant Age (Years)

Cash Refund Payout Rate (%)

Projected Economics

Guaranteed Lifetime Monthly Income

Guaranteed Annualized Cash Flow

Principal Refund Breakeven Horizon