Anuity Payout Calculator
Kuchita ntchito ya ndalama zosasinthika ndalama imodzi imatha kulipira m'zaka zambiri zosankhidwa.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
calculator calculates the amount of interest you can draw on your savings over the next N years. The calculator uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments. 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 calculates the amount of interest you can draw on your savings over the next N years. The calculator calculates the amount of interest you can draw on your savings over the next N years. The calculator uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments.
Mafunso ofunsidwa nthawi zambiri
Kodi ndi ndalama ndalama zowerengera?
Ndi ndalama za chaka cha ndalama za ndalama PMT = PV × i ÷ (1 − (1 + i) ^ − n), zomwezo monga ndalama zolipira ndalama. Mtengo umalandira ndalama pakati pa kuchotsa, kotero ndalama zonse zimapitilira mtengo woyamba.
Kodi ndi chimodzimodzi ndi ndalama zokhala ndi moyo wazaka zonse kuchokera kwa wopereka ndalama?
Sichoncho. Izi ndi fixed-mlingo drawdown kuti amayenda malire ku zero pa nthawi imene mukufuna. A moyo anuity kuchokera insuring kampani m'malo amalipira mpaka inu kufa ndi mtengo mu kufa, kotero chithandizo chake angasiyana.
Kodi ndalama zobwezera ziyenera kuyembekezeredwa?
Kugwiritsa ntchito mtengo wotsika mtengo wokhala ndi ndalama zomwe zingagwiritsidwe ntchito popeza zimagulitsidwa - nthawi zambiri ndi mgwirizano wolimba, chifukwa wogwira ntchitoyo sangathe kulipira kuwonongeka kwakukulu pakati pa kutuluka. Kutsika kwa ndalama zowonjezeredwa kumatanthauza kulipira kocheperako, kotero gwiritsani ntchito njira yosamala.
Kodi chimachitika ngati ndalama zanga kubweza pang'ono kuposa anaganiza?
Mtengo wa ndalama umatha kutuluka m’malo mwake m’malo mwa nthawi yomaliza, chifukwa ndalama zonse zochotseredwa zimayenera kuperekedwa kwa ndalama zowonjezereka zomwe zikuyembekezeredwa. Izi ndi zoyipa zazikulu za ndalama zosasinthika. Mtengo wotsika kapena wosinthika womwe umasintha malinga ndi ndalama zowonjezereka zimachepetsa mwayi wokhala ndi ndalama zosasinthika.
Kodi kuchotsa ndalama kwa nthawi yodziyimira pawokha ndi kotetezeka kwa nthawi yonse yochoka pantchito?
Koma ngati inu ndinu otsimikiza za nthawi yozungulira. Chifukwa chake mwamsanga amachotsa malire ndi tsiku lamapeto, overliving nthawi amasiya inu ndi chilichonse. ambiri planners m'malo kugwiritsa ntchito peresenti-ya malire malamulo kuti ndalama flexes ndi nthawi zonse sadzatha kuchotsa malire.
Kodi izi ndi zosiyana bwanji ndi lamulo la 4%?
The 4% malamulo amatsimikizira chaka choyamba kuchotsa pa 4% ya pot ndi kenako amawonjezera ndi kuwonjezeka kwa mtengo wa ndalama, kulenga kuti zikhale nthawi yaitali.This calculator m'malo mwake amachotsa kwa chithandizo cha malire kuti moyenera amawononga malire pa nthawi imene inu anaika, amene angakhale pamwamba 4% kwa nthawi yochepa.
API — kugwiritsa ntchito izi calculator kuchokera code
Kulemba izi calculator monga ufulu JSON endpoint - palibe chida zofunika. Kutumiza nyanja mfundo pansipa monga mafunso zigawo kapena JSON. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.