Annuity Calculator: Withdrawal Plan

Annuity Calculator
http://www.vertex42.com/Calculators/annuity-calculator.html 2009-2017 Vertex42 LLC
Withdrawal Plan $500,000 Balance

Starting Principal (P) 500,000.00 $450,000
Annual Interest Rate (i) 0.00% $400,000
Years to Pay Out (n) 25 $350,000 rate per period 0.000%
Payment Frequency Annually $300,000 payments per year 1
Payment Type Beginning of Period $250,000 type 1
Annual Inflation Rate (g) $200,000
3.00% inflation rate per period 3.000%
$150,000
$100,000
Results $50,000
Initial Payout 13,713.94 $-
Final Payout 27,877.61
Total Interest Earned 0.00 Payment Number
Payout Schedule
Interest Payout Cumulative
# Earned (Withdrawal) Balance Interest
0 0.00 13,713.94 486,286.06 0.00
1 0.00 14,125.35 472,160.71 0.00
2 0.00 14,549.11 457,611.60 0.00
3 0.00 14,985.59 442,626.01 0.00
4 0.00 15,435.16 427,190.85 0.00
5 0.00 15,898.21 411,292.64 0.00
6 0.00 16,375.16 394,917.49 0.00
7 0.00 16,866.41 378,051.08 0.00
8 0.00 17,372.40 360,678.67 0.00
9 0.00 17,893.58 342,785.10 0.00
10 0.00 18,430.38 324,354.72 0.00
11 0.00 18,983.29 305,371.42 0.00
12 0.00 19,552.79 285,818.63 0.00
13 0.00 20,139.38 265,679.25 0.00
14 0.00 20,743.56 244,935.69 0.00
15 0.00 21,365.86 223,569.83 0.00
16 0.00 22,006.84 201,562.99 0.00
17 0.00 22,667.05 178,895.94 0.00
18 0.00 23,347.06 155,548.89 0.00
19 0.00 24,047.47 131,501.42 0.00
20 0.00 24,768.89 106,732.52 0.00
21 0.00 25,511.96 81,220.56 0.00
22 0.00 26,277.32 54,943.25 0.00
23 0.00 27,065.64 27,877.61 0.00
24 0.00 27,877.61 0.00 0.00
#N/A #N/A #N/A #N/A #N/A
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Basic Annuity Calculator
Annuity Payment Type Beginning of Period

Annual Inflation Rate (g) 2.000%
type 1
Solve for Annual PAYMENT Fixed Inflation-Adjusted

Starting Principal (P) 250,000.00
Annual Interest Rate (i) 6.000%
Years to Pay Out (n) 20
First Annual Payment 20,562.40 17,578.55
Last Annual Payment 20,562.40 25,608.63
First Monthly Payment 1,782.17 1,499.74
Last Monthly Payment 1,782.17 2,232.88
Solve for Starting PRINCIPAL Fixed Inflation-Adjusted

First Annual Payment 20,562.40
Years to Pay Out (n) 20
Starting PRINCIPAL 250,000.00 292,435.85
Solve for YEARS to PAY OUT Fixed Inflation-Adjusted

Starting Principal (P) 250,000.00
First Annual Payment 20,562.40
YEARS to PAY OUT 20.00 15.96
Caution: Results are only estimates. Please consult a qualified professional regarding financial decisions.
http://www.vertex42.com/Calculators/annuity-calculator.html 2009 Vertex42.com

HELP
About This Template

This annuity calculator is based on general finance theory. It is designed to simulate a
case where a person makes regular withdrawals from an account that is earning
interest. It also allows you to enter an annual inflation rate to simulate the case where
the person increases the amount that they withdraw each period (to keep up with rising
expenses for example).
Taxes: This spreadsheet does not account for taxes. Iinterest is assumed to be earned
tax free. To get around that, you could try entering a tax-adjusted interest rate (e.g. if
you're in a 25% tax bracket, subtract 25% from the expected Annual Interest Rate).
Payouts represent pre-tax withdrawals. So, if you are receiving payments from a Roth
IRA, you wouldn't pay tax, but if you are receiving payments from a Traditional IRA, you
would.
TIP: Use Excel's built-in Goal Seek utility (Data > What-If Analysis > Goal Seek) to
answer the following question:
What does the Starting Principal need to be if I want a payout of 2000 per Month?
Additional Help
The link at the top of this worksheet will take you to the web page on vertex42.com that
talks about this template.
REFERENCES
SEE ALSO Vertex42.com: Loan Amortization Schedule
SEE ALSO Vertex42.com: Personal Budget Spreadsheet
TIPS Vertex42.com: Spreadsheet Tips Workbook

09-2017 Vertex42 LLC
Annuity Calculator
By Vertex42.com
http://www.vertex42.com/Calculators/annuity-calculator.html
2009-2017 Vertex42 LLC
This spreadsheet, including all worksheets and associated content is a

copyrighted work under the United States and other copyright laws.
Do not submit copies or modifications of this template to any website or online

template gallery.
Please review the following license agreement to learn how you may or may not
use this template. Thank you.
See License Agreement

http://www.vertex42.com/licensing/EULA_personaluse.html
Do not delete this worksheet. If necessary, you may hide it by right-clicking on

the tab and selecting Hide.

Annuity Calculator: Withdrawal Plan

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Annuity Calculator

http://www.vertex42.com/Calculators/annuity-calculator.html 2009-2017 Vertex42 LLC

Withdrawal Plan $500,000 Balance

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Annuity Payment Type Beginning of Period

Solve for Annual PAYMENT Fixed Inflation-Adjusted

Solve for Starting PRINCIPAL Fixed Inflation-Adjusted

Solve for YEARS to PAY OUT Fixed Inflation-Adjusted

http://www.vertex42.com/Calculators/annuity-calculator.html 2009 Vertex42.com

About This Template

SEE ALSO Vertex42.com: Loan Amortization Schedule

SEE ALSO Vertex42.com: Personal Budget Spreadsheet

TIPS Vertex42.com: Spreadsheet Tips Workbook

2009-2017 Vertex42 LLC

This spreadsheet, including all worksheets and associated content is a

Do not submit copies or modifications of this template to any website or online

See License Agreement

Do not delete this worksheet. If necessary, you may hide it by right-clicking on

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