Kalkulator
Ka lissafa abin da yake da kyau a cikin kudin da za a biya shi a kan wani adadi na shekaru.
Results update as you type.
[Translation temporarily unavailable. Please try again.]
calculator uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments — the same math as a loan payment, but here you are the lender to yourself. It answers "how much can I withdraw each month from my savings for the next N years?" — the core question in retirement drawdown planning. It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments — the same math as a loan payment, but here you are the lender to yourself. It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments.It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments.It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments.It uses the formula PMT = PMT
Tambayoyi da ake yi da yawa
Ta yaya ake ƙididdige yawan biyan kuɗaɗen?
Shi ne fom ɗin biyan kudin shekara PMT = PV × i ÷ (1 − (1 + i) ^−n), ma'ana kamar biyan kudin bashi. Asusun yana samun riba tsakanin fitarwa, don haka adadin biyan kudin ya fi adadin farawa.
Shin, wannan yana daidai da wani alhẽri mai rãyuwa daga wani mai amincẽwa?
No. This is a fixed-term drawdown that runs the balance to zero over the period you choose. A lifetime annuity from an insurer instead pays until you die and prices in mortality, so its payout can differ.
Mene ne matsakaicin dawo da zan yi tsammani?
Use a rate the remaining balance can realistically earn while invested — often a conservative mix, since a retiree cannot afford large losses mid-drawdown. A lower assumed return means a smaller safe payout, so err on the cautious side.
Me zai faru idan in samu riba daga zuba jarina?
A cikin wannan yanayin, asusun ajiyar na iya zama mai tsada, kuma asusun ajiyar na iya zama mai tsada sosai.
Shin, wani tsawo-da-lokaci drawdown amintacce ne ga dukan ritaya?
Only if you are sure of the time horizon. Because it deliberately empties the balance by the end date, outliving the term leaves you with nothing. Many planners instead use a percentage-of-balance rule so income flexes and never fully depletes.
Ta yaya wannan ya bambanta da dokar kashi 4%?
The 4% rule fixes the first-year withdrawal at 4% of the pot and then raises it with inflation, aiming to last indefinitely. This calculator instead solves for the level payment that exactly exhausts the balance over the term you set, which can be higher than 4% for shorter periods.
[Translation temporarily unavailable. Please try again.]
[Translation temporarily unavailable. Please try again.] Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. [Translation temporarily unavailable. Please try again.] →
Endpoint
GET https://calculator.free/api/v1/annuity-payout/curl
curl "https://calculator.free/api/v1/annuity-payout/?principal=500000&rate=5&years=20"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/annuity-payout/?" + new URLSearchParams({
"principal": "500000",
"rate": "5",
"years": "20"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.