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Annuity Calculator

What regular payments grow to, ordinary or due.

Calculators Reviews Free · no sign-up
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Payments against growth

Payments made—

Growth earned—

YearPaid inGrowthBalance

Future value

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Total paid in—
Growth earned—
Number of payments—
Rate per period—
Present value—
Ordinary annuity—
Annuity due—

Quick Tool Overview

The Annuity Calculator computes the future value of a series of equal payments, handling both ordinary annuities that pay at the end of each period and annuities due that pay at the start, which are worth exactly one period of interest more.

What it does
Calculates the future value of regular payments
You give it
A payment, a rate, a frequency and a number of periods
You get back
The future value split into payments made and growth earned
Best for
Any regular savings or payment stream
Calculators Free, unlimited use No sign-up Runs in your browser

About the Annuity Calculator

An annuity in the financial sense is any series of equal payments made at regular intervals. Enter the payment, the rate, the frequency and the number of periods to get the future value, the total paid in and the growth those payments earned.

The distinction between an ordinary annuity and an annuity due is small in wording and real in money. An ordinary annuity pays at the end of each period; an annuity due pays at the start, so every payment earns one extra period of growth and the future value is higher by exactly one period of interest. Rent and insurance premiums are annuities due; loan payments and most savings contributions are ordinary. The calculator handles both and shows the gap between them.

Key features of the Annuity Calculator

Ordinary and due both supported

End-of-period and start-of-period timing, with the difference between them shown.

Independent frequencies

Payment frequency and compounding frequency can differ, as they often do in practice.

Growth isolated from deposits

The future value split into what you paid in and what the rate added.

Period-by-period table

The balance after every payment, so the compounding curve is visible rather than assumed.

Any term length

From a few months to several decades, in years or periods.

How to use the Annuity Calculator

  1. 1

    Enter the payment

    The amount paid each period, and how often periods occur.

  2. 2

    Set the rate and term

    The annual rate and the number of years or periods the annuity runs for.

  3. 3

    Choose ordinary or due

    End of period for an ordinary annuity, start of period for an annuity due.

  4. 4

    Read the future value

    The final amount, split into what you paid in and what growth added.

Frequently asked questions

Any series of equal payments at regular intervals. It covers savings contributions, loan repayments, rent and pension income, not only the insurance product that shares the name.

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