Annuity Payout Calculator — How Long Will Your Money Last?
Calculate how much monthly income a lump sum generates or how long savings will last with a given withdrawal. Free, instant, and accurate.
Annuity Payout Calculator
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Payout Duration
20 years (240 monthly payments)
Total Amount Received
▲ $791,947
Your Original Principal
$500,000
Interest Earned During Payout Phase
▲ $291,947
Interest as % of Total Received
▲ 36.9%
Methodology & Assumptions
This calculator uses the standard annuity payout formula assuming a fixed annual rate of return. It does not account for sequence-of-returns risk, variable market conditions, taxes, or fees. All figures are nominal unless inflation adjustment is enabled. The inflation adjustment assumes a constant 3% annual inflation rate for illustrative purposes. All computations use decimal.js for precision.
Scenario Comparison
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Balance Over Time
$3,299.78/mo withdrawal at 5.00% annual return
Year-by-Year Summary
| Year | Start Balance | Interest | Payout | End Balance |
|---|---|---|---|---|
| Year 1 | $500.0K | $24.7K | $39.6K | $485.1K |
| Year 3 | $469.4K | $23.1K | $39.6K | $452.9K |
| Year 5 | $435.5K | $21.4K | $39.6K | $417.3K |
| Year 7 | $398.1K | $19.4K | $39.6K | $378.0K |
| Year 9 | $356.8K | $17.3K | $39.6K | $334.5K |
| Year 11 | $311.1K | $15.0K | $39.6K | $286.5K |
| Year 13 | $260.6K | $12.4K | $39.6K | $233.5K |
| Year 15 | $204.9K | $9,563 | $39.6K | $174.9K |
| Year 17 | $143.3K | $6,411 | $39.6K | $110.1K |
| Year 19 | $75.2K | $2,928 | $39.6K | $38.5K |
| Year 20 | $38.5K | $1,052 | $39.6K | $0 |
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