ToolHub

Advanced Annuity Calculator

Calculate annuity balance growth, payout income, and inflation-adjusted value for immediate and deferred annuities.

Formulas Used

  • Compound Growth:
  • Balance = P x (1 + r / n)^(n * t)
  • Fixed Payout:
  • Payment = PV x r / (1 - (1 + r)^-N)
  • Inflation Adjusted Value:
  • Real = Nominal / (1 + inflation)^t

Planning Notes

  • - Deferred annuity grows first, then payout starts later.
  • - Fixed annuity gives predictable income.
  • - Variable annuity payout depends on assumed return.
  • - Inflation-adjusted figures are better for real purchasing power.