Overview
What Is an Annuity Calculator?
This tool calculates the future value of a series of regular equal payments (an annuity), given the payment amount, interest rate, and number of periods.
Calculate annuity payments or future value.
This tool calculates the future value of a series of regular equal payments (an annuity), given the payment amount, interest rate, and number of periods.
Useful for understanding how regular contributions grow into a future lump sum.
Input your regular payment/contribution.
Input the rate and how many periods you'll contribute.
The result updates automatically.
A series of equal payments made at regular intervals, either as an investment or a financial product.
FV = Payment × [((1+r)^n - 1) ÷ r], where r is the periodic rate and n is number of periods.
Ordinary annuity payments occur at period end; annuity due payments occur at period start - this calculator uses ordinary annuity convention.
Related but different - compound interest grows a single lump sum; annuity accumulates from regular repeated payments.
No, calculations happen entirely in your browser.
Regular retirement account contributions, structured settlements, and certain insurance products all involve annuity-like payment structures.
No, this shows gross growth - actual tax treatment depends on the specific account or product type.
No, this assumes constant equal payments throughout - the standard annuity assumption.
No, this is an estimation tool - consult a financial advisor for personalized guidance.
Yes, completely free with no sign-up required.