I-Calculator ye-Annuity Payout
Umsebenzi owenziwe yi-IRS ukuhlela izimali ezikhokhelwa yi-IRS ezikhokhelwa yi-IRS, i-IRS isebenzisa i-IRS ukuhlela izimali ezikhokhelwa yi-IRS.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 = PMT = PMT
Imibuzo ebuzwa kaningi
Uyini umkhawulo wokubuyiselwa imali?
Ifomula yokukhokha i-annuity i-PMT = PV × i ÷ (1 − (1 + i) ^−n), i-matematics efanayo njenge-invoyisi yokukhokha. Ukulingana kuthola intshisekelo phakathi kokukhishwa, ngakho-ke ukukhokha okuphelele ngaphezu kwe-balansi yokuqala.
Ingabe lokhu kufana nemali ekhokhelwa isikhathi sokuphila esuka kumuntu okhokhela inshuwalense?
Akukho. Le yisikhathi esiqinile sokuzisusa esiqhuba isibalo sifike ku zero ngesikhathi okhetha. I-annuity yokuphila esuka ku-insurer ikhokha kuze ufe futhi izindleko ziyingozi, ngakho-ke ukukhokha kwayo kungahluka.
Yini inani lokubuyiselwa imali okufanele ngilicabange?
Sebenzisa inani isilinganiso esisele izimali zingatholakalela ngesikhathi etshala - njalo a conservative mix, njengoba umqashi angakwazi ukukhokhela izinkinga ezinkulu phakathi-drawdown. A ephansi ilindele ukubuyela kusho ukukhokha ephephile encane, ngakho err ku ikhasi ephephile.
Yini ezoba uma utshalomali lwami lubuyela ngaphansi kokulindelekile?
Imali ekhona iphuma ngaphambi kokuphela kwesikhathi, ngoba ukukhishwa ngalinye kulinganiselwa kuleyo inzuzo ephakeme elindeleke. Lokhu kuyingozi enkulu yokukhishwa okuqinile; ukukhishwa okuphansi noma okunokwethenjelwa okuhlanganiswe nenzuzo ekhona kunciphisa ithuba lokukhishwa okumnyama.
Ingabe ukukhishwa kwezimali okuqinile kuphephile ngesikhathi sokuphuma emisebenzini?
Uma nje uqinisekile ngesikhathi esiphakathi. Ngenxa yokuthi isusa ngokuzithandela i-balance ngosuku lokuyeka, ukuqhubeka nokuphila kwesikhathi kushiya wena ungasebenzi. Abaphathi abaningi basebenzisa isilinganiso se-balance rule ukuze i-income iguquke futhi ingaze iphele ngokuphelele.
Uyini umehluko phakathi kwalokhu nomthetho we-4%?
Imithetho engu-4% ilungisa unyaka wokuqala wokukhishwa ku-4% we-pot bese ikhuphula nge-inflation, ifuna ukuqhubeka ngaphandle kokuphela. Le calculator ixazulula endaweni yezinga lokukhokha eligcwele ukulahlekelwa kwe-balance ngaphezu kwesikhathi omise, okungahle kube phezulu kune-4% ngezikhathi ezincane.
API — sebenzisa le calculator kusuka kukhodi
Nquma le kalkuli njengendawo ephelezelwa i-JSON - akukho isitshixo esidingekayo. Thumela amaxabiso endawo ngezansi njengepharamitha yombuzo noma i-JSON. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.