Annuity calculator
Grow a pot with regular deposits, then work out the income it 罐 薪酬件a chosen number 年.
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关于Annuity calculator
Grow a pot with regular deposits, then work out the income it 罐 薪酬件a chosen number 年.
属于 SmartCalcy“退休”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Annuity calculator
它计算什么，何时使用
Builds a pot with regular deposits, then converts it into a level 每月 income件a number 年.
使用步骤
- Enter the starting 余额、每月 首付、年 saving.
- Enter the return while 节省.
- Enter the 年数 you want income 和 the return during payout.
各输入项的含义
- 年数 节省 – The accumulation phase.
- 年数 income – The payout phase.
如何阅读结果
- 每月 income – The level payment that uses the pot up 以 the 结束.
- Pot when income starts – The 余额 以 the 结束 节省.
公式
Pot = PV × (1 + g)^n + PMT × ((1 + g)^n − 1) ÷ g. Income = Pot × r ÷ (1 − (1 + r)^−m)、where g、r are monthly returns 和 m the number payout 个月.
计算示例
每月 20,000 plus 400件20 years at 6% builds a pot 每月 245,518. Paid out over 25 years at 4%, that gives 1,286.26.
假设与局限
- Constant returns.
- A real annuity 从 an insurer depends on 电流 rates、your 年龄、第 heal 次.
常见错误
- Assuming insurer annuities are priced like a simple drawdown.
常见问题
Is this a real annuity quote?
否. It models a self-funded drawdown 至 zero. For a guaranteed lifetime income, 得 quotes 从 insurers.
相关工具
每月 income
£1,286.26
年, from a pot £245,518 个 25
详情
- Pot when income starts
- £245,518
- 总计 deposits
- £116,000
- 总计 income 有薪
- £385,878
- Growth during payout
- £140,360
A real annuity from an insurer 是 priced from current rates 和 your life expectancy. This models drawing down a pot 至 zero over a fixed time.