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?

### Other Retirement and Savings Calculator Resource

401k Savings Calculator by Spreadsheet123.com - that is designed to calculate an amount that you can save for you retirement by making contributions from your salary.

Retirement Savings Calculator by Spreadsheet123.com - Estimates an amount of interest earned over a period of time on your savings plan.

Savings Interest Calculator by Spreadsheet123.com - It will estimate the future value of your savings or investments with scheduled and optional periodic deposits.

Retirement Savings Calc by Bloomberg.com - with detailed and easy to print report.

Annuity Calculations and Formulas by TVMcalcs.com

Financial Definition of Annuity by the Free Online Dictionary.

Annuity (finance theory) on Wikipedia.org

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