Advanced Annuity Cashflow Tracker Excel template

This is an annuity cash flow  (USD) calculator template that can be used to determine how long capital will last if an annuity income is drawn annually with or without escalation. This is important when deciding what income you wish to start drawing and how realistically you can escalate this income in-line with inflation before you are at risk of running out of money.

The annual compounded return can be adjusted to see the impact on the capital as the annuity income is being drawn.

If you are not familiar with financial calculators or are an investor nearing retirement, then this calculator will be of use when you start planning what income you want to draw from your capital and what growth rate is required in order to prolong the capital should you wish to escalate the income every year.

The cash flow tracks a 30-year period, however, the time value of money calculation will report beyond 30 years. I have kept the reporting period to 30 years so that this template can be printed as a one-page summary.

You are also able to make provisions for taxation as well as fees. You will be able to compare the number of years the capital will last with and without the fees applied so you can see its impact on the balance of money that is carried over each year.

The Excel template will be emailed upon purchase.