Updated 2026-03-21

401(k) vs Annuity: Which Provides Better Retirement Income? (+ Calculator)

Compare 401(k) systematic withdrawals against annuity payouts. Income projections, fees, inflation risk, and partial annuitization calculator.

What You Will Learn

This guide covers everything you need to know about 401(k) vs annuity: which provides better retirement income? (+ calculator). We break down the rules, compare your options, and provide tools to help you make informed decisions about your retirement savings.

Enable JavaScript for the full interactive experience with calculators, live data, and tools.

Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-21