Annuity payout calculator

如何使用Annuity payout calculator

它计算什么，何时使用

Works out the income a lump 总和 罐 薪酬 over a set 数字 years, 或 how long a lump sum lasts at a chosen withdrawal.

使用步骤

1. Choose income I 罐 take, 或 how long it lasts.
2. Enter the lump 总和 和 the return.
3. Enter the 年 income、or the 每月 withdrawal、any 每年 rise.

各输入项的含义

• Return – 每年 growth on the remaining pot.
• withdrawals 的 每年 rise – Increases the withdrawal 每件 年份,件示例 with inflation.

如何阅读结果

• 每月 income – The level payment.
• Your money lasts – The 个月 直到 the pot runs out.

公式

Income = Lump × r ÷ (1 − (1 + r)^−m)件r = monthly return, m = months. The duration 是 found by stepping the balance forward month by month: balance × (1 + r) − withdrawal.

计算示例

the pot. 的 A lump sum 300,000 at 4% paid out over 25 years gives 1,571.69 a month, 或 18,860 a year. The first-year withdrawal 是 6.29%

假设与局限

• Constant returns.
• Withdrawals are 以 the 结束 第 each mon 次.

常见错误

• Choosing a withdrawal rate that 是 too high件a long 退休.

常见问题

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