Annuity Future Value Calculator

Project the future value of an annuity from a recurring payment, interest rate, and term, with options for ordinary and annuity-due payment timing.

806.9K uses Updated · 2026-05-14 Runs locally · zero upload
AD

The Annuity Future Value Calculator estimates how much a stream of equal periodic payments will grow to at a given future date. It supports both ordinary annuities and annuities due, making it useful for retirement savings, sinking-fund planning, and college savings.

How to Use Annuity Future Value Calculator

  1. Enter the recurring payment amount (PMT).
  2. Provide the annual interest rate and select the payment frequency.
  3. Enter the number of years and the payment timing (end or beginning of period).
  4. Read the future value, total contributions, and interest earned in the result panel.

Formula & Theory - Annuity Future Value Calculator

FV = PMT × ((1 + i)^n - 1) / i                // ordinary annuity
FV_due = FV_ordinary × (1 + i)                // annuity due
where i = annual_rate / frequency, n = years × frequency

Use Cases for Annuity Future Value Calculator

  • Project retirement contribution growth assuming a steady return.
  • Build a sinking fund to retire a future obligation.
  • Estimate education savings from regular deposits.
  • Compare how payment timing affects long-term wealth accumulation.

Frequently asked questions about Annuity Future Value Calculator

Why is the future value higher for an annuity due?

Each payment in an annuity due is invested one period earlier, so it earns one extra compounding period compared with an ordinary annuity.

Are taxes or inflation included?

No. The model assumes a constant nominal rate of return. Adjust the rate manually if you want to approximate after-tax or real returns.

What if I want to add an initial principal?

Use a separate compound interest calculator for the lump sum and add the result to this projection.

Is my data stored?

No. The calculator runs entirely in your browser and no data is uploaded.