Annuity & Withdrawal Calculator
Calculate sustainable monthly withdrawals from a lump sum with interest, inflation adjustment, and depletion date. Free, instant, client-side.
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What is Annuity & Withdrawal Calculator?
The Annuity & Withdrawal Calculator determines the fixed monthly payment you can withdraw from a lump sum over a specified period, accounting for interest earned on the remaining balance. It also shows the total paid out, total interest earned, and an optional inflation-adjusted payment.
Key Benefits
- Know exactly how much you can safely withdraw each month
- Interest-earned tracking shows the true cost of early withdrawals
- Inflation adjustment gives a more realistic view of future purchasing power
- Depleted indicator warns when the principal will be fully consumed
- Private - financial data stays on your device
Common Use Cases
- •Planning monthly income from a retirement fund
- •Comparing annuity offers from insurance companies
- •Budgeting withdrawals from an inheritance or settlement
- •Setting a sustainable withdrawal rate for a pension pot
How to Calculate Annuity Payments
- Enter the lump sum: Type the total amount you plan to withdraw from over the period.
- Set rate and period: Enter the annual interest rate and the number of years you want withdrawals to last.
- Read the payment: See your fixed monthly payment, total paid out, and total interest earned.
Key Features
- Fixed monthly payment from lump sum, rate, and period
- Total paid out and total interest earned over the period
- Optional inflation-adjusted payment estimate
- Depleted indicator when rate is zero
- Pure client-side math - instant, private, and free
- Readable errors for zero or negative inputs