Enter your monthly contribution, contribution period, expected returns, and withdrawal period to estimate the monthly income you could draw in retirement.
Retirement Planning Tool
Estimate how much you can withdraw monthly in retirement, or how much to save to reach your goal.
Enter Your Contribution Details
HK$
yrs
Accumulation Phase Return
% p.a.
Withdrawal Phase Settings
yrs
% p.a.
Enter Your Retirement Goal
HK$
yrs
Accumulation Phase Return
% p.a.
Withdrawal Phase Settings
yrs
% p.a.
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Disclaimer:
Our Annuity Calculator helps you estimate the monthly income you could draw in retirement from what you save and invest today.
By entering your monthly contribution, contribution period, expected returns, and withdrawal period, you can see your estimated monthly payout, your total assets at retirement, and how much of it comes from investment growth, helping you plan your retirement with more confidence.
Feature | Self-funded plan | Insurance annuity |
|---|---|---|
How it works | You save and invest, then withdraw a monthly income | You pay a premium to an insurer, which pays you regular income |
Payout | Depends on your investment returns and is not guaranteed | Depends on the plan and may be partly or fully guaranteed |
How long it lasts | The period you choose, and savings can run out | A set period or for life, depending on the plan |
Flexibility | You can change your contributions and withdrawals | Usually limited once you have paid in |
Main risk | Returns may turn out lower than expected | Fixed payouts may lose buying power to inflation |
Start investing from as little as you want.
How does the annuity calculator work? | HK
The calculator has two phases. In the accumulation phase, you contribute each month and your savings grow at your expected return. In the withdrawal phase, you draw a monthly payout from those savings while the remaining balance keeps earning your expected return.
How is my monthly payout calculated? | HK
Your payout is based on your total assets at retirement, your withdrawal period, and your expected return during withdrawal. It is set so your savings are used up by the end of the withdrawal period.
What is the difference between the accumulation and withdrawal phase? | HK
The accumulation phase is when you save and invest each month to build your retirement assets. The withdrawal phase is when you stop contributing and start drawing a monthly income.
How can I increase my monthly payout? | HK
You can contribute more each month, contribute for longer, or shorten your withdrawal period. A higher expected return also increases the payout, but with more investment risk.
What does “Total Assets at Retirement” mean? | HK
It is the value of your savings at the end of the contribution period. It includes your total contributions plus the investment growth they earned.
