Annuity Calculator for Excel

The Annuity Calculator for excel is to help when estimating the future value of your savings and annuity payments after retirement and also to estimate the amount that you need to save for your retirement.

Simple definition of annuity is a stream of equal payments to an individual, such as to a retiree, that occur at predetermined intervals (that is, monthly or annually). The payments may continue for a fixed period or for a contingent period, such as for the recipient's lifetime. Although annuities are most often associated with insurance companies and retirement programs, the payment of interest to a bondholder is also an example of an annuity.

The annuity calculator template on this page is designed to estimate an annuity payments with inclusion of annual inflation and also with variable rate of return.

As I have already mentioned above, this annuity calculator is able to estimate your annuity payments for a fixed and variable return rates on variable annuity.

Variable Annuity

An annuity with payments to the annuitant that vary depending upon the investment success of a separate investment account underlying the annuity. Because the invested funds are primarily in common stock, this annuity offers greater potential rewards and greater attendant risks than annuities supported by fixed-income securities.

Since predictability of the financial market changes is very low and therefore an interest rates on the investments are also unpredictable, the calculations with the variable rate are performed with a randomly chosen rates. This all can only help you to see how variable rates can actually make changes on your annuity payments and on the interest earned year after year.

Along with this template we also offer few other Retirement & Savings calculators that together can answer many general questions related to you retirement savings and withdrawals (annuity payments) form your savings account. As an example this Annuity Calculator can give an answer on the questions like:

• How much do I need to save for my retirement?
• What is my annual payments or withdrawals will be from the fixed-rate or variable-rates savings account?
• How can variable return rates affect my withdrawals?
• What is the difference between fixed annuity and variable annuity?
• What is an effect of inflation and how it can affect my annual withdrawals?

Screenshot 1 Screenshot 2 Preview Annuity Calculator on DocStoc	The Annuity Calculator on this page is fully customizable and easy to use spreadsheet for MS Excel. The Annuity Estimator worksheet contains three charts which display your balance, interest earned and at last your annual net payments. It also contains an annual cash flow table that provides detailed information of the interest rate, any interest earned, tax, withdrawals, balance and cumulative interest. The templates solves for the annuity payment amount with fixed or variable rates of the interest. The Annuity Calc worksheet can help to solve for the initial principal or the future value of initial principal, the number of years to pay out or number of withdrawals and solve for annuity payment. This worksheet is designed to analyze and solve some siple annuity questions and performs all calculations with fixed annual return rates. Read our Limitation of Use Policy that is applicable to our Annuity Calculator. We have also released an Annuity Calculator that works with OpenOffice Calc, but with little less graphical functionalities.	>> Download Now Version: AC EX 1.0 File Type: .xlsx Size: ~52.0 KB Required: Microsoft Excel® 2007 >> Download Now Version: AC-97 1.0 File Type: .xls Size: ~136.0 KB Required: Microsoft Excel® 97, 2003(XP), 2007 Not Required: Installation Macros Cost: $0.00 Free for personal use License: View EULA Technical Support: Via Forum or Contact Us form.
Disclaimer: This template and any information on this page is for educational purposes only. We do not guarantee the results. Use this template at your own risk. You should seek the advice of qualified professionals regarding making any financial decisions.