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Annuity Calculator Excel Template

5.0 (5 reviews)

Excel sheet to calculate your Retirement Annuity. With fixed  & variable term options. Printable payment schedule. Dashboard with dynamic charts.

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An annuity is a kind of investment plan that can provide a stream of income in retirement whether for a limited time period or a lifetime. So, the Annuity Calculator Excel Template will provide an overview to see the payment schedule in a given number of periods with visual charts. Someka-S00-Flow

Furthermore, you can also calculate Periodic Payment, Initial Principal, or Periods to Pay Out with this spreadsheet.

Annuity Calculator Template Features:


Basically, the Annuity Calculator Template is a tool to calculate the payment schedule depending on the following variables you will choose;

  • Initial Age
  • Years To Pay Out
  • Initial Capital (Principal)
  • Annual Interest Rate, Type of Interest Rate (variable or fixed)
  • Inflation Rate
  • Earned Interest TAX

Besides that, monthly, quarterly, semi-annually, or annually options available are for Payment Frequency and annuity payment Term (end of the year or beginning of the year).

You can also see the graph with a general balance, Net Payment, and Interest as shown below:


Payment schedule

Firstly, this Excel Annuity Calculator has a payment schedule to calculate a detailed cash flow of future payments according to your inputs in “Dashboard”. Thus, the payment schedule is dynamic, all you have to do is change the inputs in the dashboard and the payment schedule will renew itself.



Moreover, detailed dynamic graphs display balance, interest rate, and net payment depending on the selected payment frequency. Furthermore, a pie graph shows the breakdown of principal and interest of your future cash inflow.

Annuity Estimation

Then, the only thing that you have to do is input your own data depending on what you want to calculate: Periodic Payment, Initial Principal, or Periods to Pay Out.


Finally, after putting the data in the white blanks, the template will calculate the values for each case.

Annuity Calculator Excel Template Features Summary:

  • Excel Template to calculate retirement annuity payment
  • Dashboard for an overview including graphs
  • Fixed & Variable Annuity Calculator
  • Flexible payment frequency
  • Professional annuity schedule in Excel
  • Full Print Ready
  • No installation needed.
  • Ready to use.
  • Works both on Mac and Windows
  • Compatible with Excel 2007 and later versions

Annuity Calculator is a ready-to-use Excel Template and provided as-is. If you need customization on your reports or need more complex templates, please refer to our custom services.


Watch the video below to see the template in action! Presentation also includes usage notes, explanations and tips & tricks about the template.



5 reviews for Annuity Calculator Excel Template

  1. Dan

    great tool but I have a problem I need to print the sheet and it does not include everything I need help with this urgently

    • Someka

      Hello Dan,

      Thanks for leaving your comment. If you are having problems printing your template have a look at this guide here.
      If you still are unable to make it work, please get in touch with our support team by email at and they will be happy to help you.

  2. Mariusz

    I recommend this template it is really complete and easy for use video tutorial is very good

  3. KMeijering

    excellent tool

  4. KMeijering

    Love it

  5. May


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