Find the regular income a lump sum can provide, or how long it will last.
₹50,00,000 earning 7% a year and paid out monthly over 20 years provides ₹38,764.95 a month.
An annuity payout turns a lump sum into a stream of equal payments over a fixed period. Enter the lump sum, the expected return, the number of years and the payment frequency to see the payment. A second tool does the reverse: given a regular withdrawal, how long will the money last?
The payout uses the present-value-of-an-annuity formula in reverse. Higher returns and longer periods change the answer sharply — check cautious assumptions. To build the lump sum first, use the Annuity Calculator; see the Retirement Calculator for a full plan.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Lump sum | ₹50,00,000.00 |
| Payout per period | ₹38,764.95 |
| Number of payouts | 240 |
| Total received | ₹93,03,587.23 |
| Of which interest | ₹43,03,587.23 |
| Payout per year | ₹4,65,179.36 |
| Case | Monthly payout |
|---|---|
| 20 years at 6% | ₹35,821.55 |
| 20 years at 7% | ₹38,764.95 |
| 20 years at 8% | ₹41,822.00 |
| 15 years at 7% | ₹44,941.41 |
| 30 years at 7% | ₹33,265.12 |
Use PV × r ÷ (1 − (1 + r)^−n) with the rate per period and the number of payments.
Use the second calculator: enter the lump sum, the return and the monthly withdrawal.
Then the balance never runs out. The calculator tells you the money will last indefinitely.
Start-of-period payments (annuity due) are slightly smaller because the money is paid out earlier.
Not exactly. An insurance annuity's payout also depends on your age, mortality and the insurer's pricing. This tool models a fixed-return withdrawal plan.
Use a cautious, realistic rate for the investment you will hold. Higher assumed returns can overstate the payout.
It uses the standard formula: payout = PV × r ÷ (1 − (1 + r)^−n) The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
