Single Premium Immediate Annuity (SPIA) Joint-and-Survivor 100% Inflation Payout Calculator 2026

Calculate guaranteed lifetime monthly income for a joint-and-survivor 100% SPIA annuity with an optional 3% annual cost-of-living adjustment (COLA) rider.

Underwriting Assumptions

Lump-Sum Single Premium ($)

Primary Annuitant Age (Years)

Initial Joint 100% Payout Rate (%)

Annual Inflation COLA Increase (%)

Projected Economics

Guaranteed Year 1 Monthly Income

Year 1 Annualized Guaranteed Cash Flow

25-Year Cumulative Guaranteed Income