Finance & Irish taxes

Finite-term retirement income Calculator

Estimate annual withdrawals that exhaust capital over a chosen term. This free finite-term retirement income calculator shows the calculation and its assumptions so you can compare your own figures.

Calculated on your device

Your results

First Annual Payment€13,860.82

Estimate annual withdrawals that exhaust capital over a chosen term.

First Monthly Equivalent€1,155.07

Calculated outcomes

Final Annual Payment: €22,294.26

Assumptions and estimates

A mathematical finite-term drawdown with annual payments, not an insurer's lifetime annuity quote. Assumes constant net returns and payment growth with zero capital remaining after the entered term.
Method: Discount each inflation-linked annual payment and divide capital by their present-value factor.
Not a lifetime insurer annuity quote. Constant net returns and end-of-year payments.

Useful next steps

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How the finite-term retirement income calculation works

Discount each inflation-linked annual payment and divide capital by their present-value factor.

Not a lifetime insurer annuity quote. Constant net returns and end-of-year payments.

Using this calculator

Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
Review first annual payment and first monthly equivalent, then read the stated assumptions and eligibility conditions before using the result.

Worked example

This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.

See example inputs

Capital available (€): 300000
Annual net return (%): 3
Income payment years: 25
Annual payment increase (%): 2

First Annual Payment: €13,860.82
First Monthly Equivalent: €1,155.07

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