Annuity Payout Calculator

Annuity Payout Calculator

Calculate withdrawal amounts and analyze payout strategies for your annuity

Annuity Details

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Personal Information

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Systematic Withdrawal: Withdraw a fixed percentage of your annuity value annually. The 4% rule is often used as a sustainable withdrawal rate, but individual circumstances vary.

Your Payout Analysis

$0
per month
Based on your selected withdrawal strategy

Financial Analysis

Annual Payout Amount: -
After-Tax Annual Payout: -
Net Return Rate: -
Real Return (Inflation Adj.): -
Estimated Depletion Age: -
Sustainability Risk: -

Payout Strategy Comparison

Balance Projection Over Time

Withdrawal Schedule (First 20 Years)

Year Age Annual Withdrawal Investment Return Fees Ending Balance

Longevity Analysis

Life Expectancy: -
Probability of Money Lasting: -
Recommended Action: -
Important Considerations:
  • Market volatility can significantly impact your payout sustainability
  • Healthcare costs typically increase faster than general inflation
  • Consider keeping some funds liquid for emergencies
  • Review and adjust your withdrawal rate annually
Important Disclaimer: This calculator provides estimates for educational purposes only. Actual annuity payouts depend on many factors including: market performance, fees, insurance company ratings, and specific contract terms. Results shown are hypothetical and do not guarantee future performance. Consult with a qualified financial advisor and review your annuity contract for accurate information about your specific situation. Consider the impact of taxes, inflation, and changing financial needs when planning your retirement income strategy.

Key Features:

  • Multiple Payout Strategies: Systematic withdrawal, fixed period, life annuity, joint & survivor
  • Comprehensive Analysis: Depletion projections, sustainability risk assessment, longevity analysis
  • Visual Comparisons: Side-by-side comparison of different payout strategies
  • Detailed Projections: 20-year withdrawal schedule with balance tracking
  • Risk Assessment: Sustainability indicators and recommendations

Payout Types:

  1. Systematic Withdrawal: Fixed percentage withdrawal (e.g., 4% rule)
  2. Fixed Period: Equal payments over a specific time period
  3. Life Annuity: Guaranteed payments for your lifetime
  4. Joint & Survivor: Payments continue for both spouses' lifetimes

Advanced Analysis:

  • Sustainability Risk: Low/Medium/High risk indicators
  • Depletion Age: When your money might run out
  • Longevity Analysis: Probability of money lasting your lifetime
  • Tax and Inflation: After-tax and real return calculations
  • Balance Projections: Visual chart of account balance over time

How to Use:

  1. Select your preferred payout strategy
  2. Enter your annuity value and expected returns
  3. Provide personal information (age, gender, spouse details if applicable)
  4. Set withdrawal parameters (rate, period, frequency)
  5. Review comprehensive analysis and recommendations