Future Value of Annuity Calculator

Calculate the future value of regular deposits with compound interest. See how your periodic payments grow over time.

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Quick Facts

Annuity Formula
FV = PMT x ((1+r)^n - 1) / r
Standard FV of annuity calculation
$500/mo for 10 years at 7%
$86,474
Total deposits: $60,000
Power of Time
2x contributions = 4x value
Over long periods with compounding

Your Results

Calculated
Future Value
$0
Total accumulated
Total Contributions
$0
Your deposits
Interest Earned
$0
Growth from compounding

About the Future Value of Annuity Calculator

The Future Value of Annuity Calculator helps you determine how much your regular periodic payments will grow over time with compound interest. An annuity is a series of equal payments made at regular intervals, such as monthly retirement contributions or regular savings deposits.

Understanding the Formula

FV = PMT x ((1 + r)n - 1) / r
FV = Future Value
PMT = Payment Amount
r = Interest Rate per Period
n = Number of Periods

How to Use This Calculator

  1. Regular Payment: Enter the amount you plan to deposit each period
  2. Annual Interest Rate: Enter the expected annual return rate as a percentage
  3. Number of Periods: Enter the total number of payments you will make
  4. Payment Frequency: Select how often you make payments (monthly, quarterly, or annually)
  5. Click "Calculate" to see your future value results

Key Features

  • Free to use with no registration required
  • Mobile-friendly responsive design
  • Instant calculations with real-time results
  • Supports multiple payment frequencies
  • Shows breakdown of contributions vs. interest earned
  • Easy to embed on your website

Practical Applications

This calculator is useful for planning retirement savings, education funds, or any regular savings program. Understanding how your periodic contributions grow helps you set realistic financial goals and see the powerful effect of compound interest over time.

Frequently Asked Questions

An ordinary annuity is a series of equal payments made at the end of each period. This calculator assumes ordinary annuity payments, which is the most common type used for retirement accounts, loans, and savings plans.

More frequent payments result in higher future values because interest compounds more often. Monthly payments will grow faster than quarterly or annual payments of the same total amount because each payment starts earning interest sooner.

Yes, this calculator is completely free to use with no hidden charges or registration requirements. You can also embed it on your own website using the widget code.

The calculator uses the standard future value of annuity formula and provides accurate results. However, actual investment returns vary and are not guaranteed. Always consult with a financial advisor for important investment decisions.

An ordinary annuity has payments at the end of each period, while an annuity due has payments at the beginning. This calculator uses ordinary annuity. Annuity due values are slightly higher because each payment earns interest for one additional period.