Retirement income, made honest and simple.

The Pension Annuity exists to answer one question clearly: how much guaranteed monthly income can your savings actually provide for the rest of your life? No jargon, no pressure, and no phone number required to see your number.

Why we built this

Most people approaching retirement have saved carefully — but nobody ever shows them what that money can become as a steady, guaranteed paycheck. Instead they get sales calls, fine print, and products loaded with fees. We think the honest version is simpler: enter your age and savings, and see the highest guaranteed income a pension annuity can pay you, from carriers we compare on your behalf.

What a pension annuity is

A pension annuity — technically a single premium immediate annuity, or SPIA — turns a lump sum into a fixed monthly income the insurance company must pay you for as long as you live. It isn't a market bet or a projected return. It's one guaranteed number. Every quote we show is life with a cash-refund guarantee, so if you pass before the payments repay your deposit, your heirs receive the difference.

How we're paid

Seeing your number is free, and you never pay us a fee. If you decide to move forward, the issuing insurance carrier pays a standard commission — the same whether you come through us or not, so our incentive is simply to show you the highest honest payout, not to upsell a product with hidden costs.

The honest fine print

We are not a licensed insurance agent of record for your policy, and nothing here is financial or tax advice. Figures are illustrative payouts based on current carrier rates and assume a representative state and a non-qualified deposit; your exact quote varies by state and is subject to each insurer's claims-paying ability. Before you buy anything, talk it through with a licensed insurance professional and your tax advisor.