Calcolatrice erogazione rendita
The detailed guide below is currently available in English.
How the payout is calculated
The calculator solves for the level monthly payment whose present value equals your lump sum at the chosen rate — the same amortization math as a loan, run in reverse. You spend the balance and its interest together, and the account hits zero with the final payment. Stretch the period or lower the rate and the payment falls; a longer payout also shifts the mix toward interest.
Domande frequenti
Will this payment last for life?
Only for the term you enter. To guarantee lifetime income you would buy an immediate annuity from an insurer, which can pay even beyond the term because shorter-lived participants subsidize longer-lived ones.
What rate is realistic?
Something conservative and close to what a laddered bond portfolio actually yields. Overly optimistic rates overstate the sustainable payment, especially for long payout periods.