Future Value of Annuity Calculator
Calculate the Future Value of an Ordinary Annuity (payments at end of period) or Annuity Due (payments at beginning of period).
What this calculator does
The Future Value of Annuity Calculator estimates your result instantly from the values you enter, using standard retirement formulas. Calculate the Future Value of an Ordinary Annuity (payments at end of period) or Annuity Due (payments at beginning of period). Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.
About Future Value of Annuity Calculator
The Future Value of Annuity Calculator computes the accumulated future value of a series of equal periodic payments made over time, supporting both Ordinary Annuities and Annuities Due.
Formula & Mathematical Calculation
Ordinary Annuity (End): FVA = PMT × [ (( 1 + r )^n - 1) / r ]
Annuity Due (Beginning): FVA_due = FVA × ( 1 + r )
Calculation Example
$500/Month for 20 Years @ 7% Annual (r = 0.005833, n = 240): Ordinary Annuity = $260,463.35. Annuity Due = $261,982.72.
Key Benefits
- Calculates future value for Ordinary Annuities and Annuities Due
- Models monthly, quarterly, and annual periodic payment schedules
- Essential for retirement contributions and insurance annuity valuations
- Shows exact cumulative principal deposited vs. interest earned
- 100% accurate mathematical tool
How to Use this Calculator
-
Enter Payment Amount (PMT)
Input periodic payment amount. -
Enter Interest Rate & Frequency
Input annual interest rate and payment interval. -
Select Annuity Type
Choose Ordinary Annuity (End of Period) or Annuity Due (Beginning). -
Calculate Future Value
Click Calculate to view total accumulated annuity value.
Assumptions & Limitations
What the calculation assumes
- Every value you enter is treated as an exact, known amount.
- Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
- Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
- Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
- Amounts are unit-agnostic: results are returned in the same currency you enter.
What it does not cover
- Future Value of Annuity Calculator produces estimates for education and planning, not a quote, offer or professional advice.
- Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
- Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
- Figures are only as accurate as the inputs you supply — check them before acting on the result.
- For decisions with lasting financial impact, confirm the numbers with a qualified professional.
Frequently Asked Questions
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