Immediate Annuity Calculator (SPIA): How to Get the Best Quote in 2025

If you're looking for guaranteed income for life, you’ve likely heard about Single Premium Immediate Annuities (SPIAs). The next step? Running an Immediate Annuity Calculator and making sure you're actually getting the best quote, not just a filtered one.

Let’s break it down simply.

What Is an Immediate Annuity?

A SPIA is an annuity product that turns a lump sum of money into guaranteed income, starting within 30 days to a year after purchase.

You're trading premium dollars for contractual income guarantees, usually for:

• Life only 
• Joint life (you and a spouse)
• A set period of time (like 10 or 20 years)

It’s the simplest annuity out there — a "pension you can buy" — and ideal for retirement income planning.

Why Use Our Immediate Annuity Calculator?

Not all calculators are created equal. Some “quote tools” out there cherry-pick only a few carriers or send your info to lead buyers. Not here.

Here’s what sets Stan The Annuity Man’s SPIA calculator apart:

• Real-time, national quote access
• No carrier agenda. We quote from all who allow us to
• You get the best contractual guarantee available
• Your info stays private. We don’t sell leads. Ever.

When you input your details, you’re getting a pure quote. Not an estimate or average. We’re not trying to push you into one product or one company. We’re showing you what the top guaranteed payout is, period.

Not Sure Which Calculator to Use?

You’re not alone. That’s why we simplify it with two questions:

1. What do you want the money to contractually do?
2. When do you want those contractual guarantees to start?

If you said:

• “I want lifetime income.”
• “I want it to start now.”

Then guess what? You’re in SPIA territory. Our Immediate Annuity Calculator is the right place to start.

Annuity Quotes Change Often (Like Plane Tickets)

Think annuity quotes are fixed? Think again. They update about every 7 to 10 days.

That means a quote you ran two weeks ago may no longer be the best one today. The top paying carrier for your age range could change due to internal pricing decisions.

That’s why our calculator pulls from live national data to give you what’s best right now.

Your Info Is 100% Private

We take privacy seriously. In fact, we don’t just protect your data, we never share or sell it. No outside agents. No call centers. No shady lists.

Other sites? Some sell your info for $150 to $300 a pop. That’s why your phone rings nonstop after a quote. We’re not them. You use our calculator, and you only hear from us if you want to.

Get Quotes, Then Get Clarity

Once you use our SPIA Calculator, you’ll get:

• A quote emailed directly to you
• Access to review and compare later
• An option to book a 1-on-1 call with The Annuity Man Team to walk through it

You’ll get honest advice — including if we think you don’t need an annuity at all.

Final Thoughts: It's About the Contractual Guarantee

We don’t care which carrier pays the most, we care which carrier pays you the most for your specific situation.

If you’re considering locking in lifetime income, the SPIA calculator is your best next step.

And if you're still not sure what kind of annuity you need, remember:

1. What do you want the money to contractually do?
2. When do you want those guarantees to start?

We’ll take it from there.

Helpful Links:

• Run Your Immediate Annuity Calculator
• Schedule a No-Obligation Call