ANNUITY CALCULATOR - Aqua Blue edition File: Annuity_Calculator_AquaBlue.xlsx This workbook is a three-in-one annuity planning tool held on a single worksheet named "Annuity". The first block calculates the initial principal you need today in order to withdraw a fixed, inflation-protected amount every year for a chosen number of years. The second block reverses the question and returns the first and the last annual payment that a known starting principal can support over the same horizon. The third block answers how long the money lasts, returning the number of years a given principal will cover if you withdraw a chosen amount in the first year. All three blocks run on the standard Excel financial functions PV, PMT and NPER applied to the real rate of return (1+interest)/(1+inflation)-1, so the purchasing power of every withdrawal stays constant over time. Each block carries its own "Payment type" drop-down offering Beginning of Year or End of Year, and a small helper cell in column E turns that choice into the 1 or 0 flag the formulas require. Only the blue figures are input cells; every result shown in a shaded row is a live formula that recalculates the moment an input changes. Number formats, list validation and the print area are already configured, so the sheet can be printed or exported to PDF exactly as it opens. Visually this edition uses a deeper aqua-blue banner with solid filled section headings on white, and it is one of fourteen colour variants of the same calculator, all functionally identical. The file contains no macros, no external links and no hidden calculation sheets, so it opens safely in Microsoft Excel, LibreOffice Calc and Google Sheets. Compared with the original template it also corrects a defect in which the payment-type helper cell never matched the drop-down text, which forced every calculation into end-of-year mode.
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