Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Monthly income
$2,923
Annual income
$35,075
Total paid out
$876,885
Interest earned
$376,885
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter principal ($).
- 2Enter payout period (years).
- 3Enter annual rate (%).
- 4Read your monthly income on the right — it updates as you type.
- 5Hit Share to keep the scenario or send it to someone.
About this calculator
Turn a balance into a stream of payments over a fixed term at an assumed rate — the reverse of a loan amortization.
Worked example
Using the values the calculator loads with:
Inputs
- Principal: 500000 $
- Payout period: 25 years
- Annual rate: 5 %
Results
- Monthly income: $2,923
- Annual income: $35,075
- Total paid out: $876,885
- Interest earned: $376,885
What each field means
Inputs
- Principal ($)
- The principal used in the calculation, measured in $. Starts at 500000 $ so you have a working example on load.
- Payout period (years)
- The payout period used in the calculation, measured in years. Starts at 25 years so you have a working example on load. Accepted range: 1–50 years.
- Annual rate (%)
- The annual rate used in the calculation, measured in %. Starts at 5 % so you have a working example on load. Accepted range: 0–15 %.
Results
- Monthly income
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Annual income
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total paid out
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Interest earned
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the annuity income calculator work?
Turn a balance into a stream of payments over a fixed term at an assumed rate — the reverse of a loan amortization. The underlying maths is: Payment = PV × r ÷ (1 − (1+r)^−n)
What do I need to enter?
3 values: principal, payout period, and annual rate. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the monthly income result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Annuity Payout Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/annuity-payout
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/annuity-payout" target="_blank" rel="noopener">Annuity Payout Calculator — RevenueLab</a> (2026).</p>
Source: [Annuity Payout Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/annuity-payout) (2026).