| HELP |
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| http://www.vertex42.com/Calculators/annuity-calculator.html |
© 2009-2016 Vertex42 LLC |
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| About
This Template |
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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). |
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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. |
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TIP: Use Excel's built-in Goal Seek utility (Data > What-If
Analysis > Goal Seek) to answer the following question: |
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What does the Starting Principal need to be if I want
a payout of 2000 per Month? |
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| Additional
Help |
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The link at the top of this
worksheet will take you to the web page on vertex42.com that talks about this
template. |
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REFERENCES |
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| SEE ALSO |
Vertex42.com: Loan
Amortization Schedule |
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| SEE ALSO |
Vertex42.com: Personal Budget
Spreadsheet |
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| TIPS |
Vertex42.com: Spreadsheet Tips Workbook |
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