Finance & Investment
Annuity Calculator
Annuity — it values a stream of equal end-of-year payments with the ordinary-annuity future-value formula FV = P·((1+i)^n − 1)/i. This page runs that same calculation on your numbers, in your browser: no signup, no uploads, nothing stored.
Use Annuity Calculator to find the future value of a payment stream: give it your payment per period, annual rate and number of years, press Calculate, and read off the future value and total contributions — all worked out on your device.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
It values a stream of equal end-of-year payments with the ordinary-annuity future-value formula FV = P·((1+i)^n − 1)/i. That is the whole of the calculation — the mistakes happen in the inputs. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. Worked example: The future value of an annuity of 50,000 deposited each year for 10 years at 8% is 50,000 × ((1.08 10 − 1)/0.08) = 724,328.12 — the worth of all the yearly payments at the end of the term, not their present value. Use the calculator with your own figures; it runs entirely on your device.
How to use
- Enter the equal payment made each year.
- Type the annual rate of return earned on each payment.
- Set the number of years the payments continue (whole years only, since each payment is annual).
- Tap Calculate to see the annuity's future value and total contributions.
Why use the Annuity Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it for the future value of yearly contributions
Use it when planning a retirement contribution stream
Use it for end-of-year payment schedules
Use it for a quick annuity future-value check
Use it for an education fund built by yearly payments
Use it when reviewing an annual funding plan
Technical notes
Annuity Calculator values a stream of equal end-of-year payments with the ordinary-annuity future-value formula FV = P·((1+i)^n − 1)/i.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
All arithmetic runs in your browser using double-precision floating point, so extreme inputs may show tiny rounding differences.
Worked example
The future value of an annuity of 50,000 deposited each year for 10 years at 8% is 50,000 × ((1.0810 − 1)/0.08) = 724,328.12 — the worth of all the yearly payments at the end of the term, not their present value.
FAQ
Does this assume payments at the start or end of the year?
It models an ordinary annuity, with each payment made at the end of the year, so the final payment earns no further growth.
Does the Annuity Calculator send my data to a server?
No. The Annuity Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What is the future value of an annuity?
It is the total that a stream of equal periodic payments grows to by the end, including the compound growth earned on each payment.
How is this different from a lump-sum projection?
An annuity adds a fresh equal payment every period, whereas a lump-sum tool grows a single amount invested once at the start.