About AnnuityPay

AnnuityPay is a set of free calculators for annuity payouts — immediate, fixed, variable, deferred, joint-life and lifetime annuities, plus vs lump-sum, by-age, tax and rider comparisons. Every tool runs entirely in your browser, so the numbers you type never leave your device.

The math uses the standard present-value-of-an-annuity formula with an assumed rate you enter. Rates and life expectancies are constants (Social Security period life tables), so the site stays correct without updates.

AnnuityPay is maintained by an independent maker. It may show non-intrusive advertising once traffic justifies it. We do not collect or sell your data.