Annuity Future Value Calculator

Calculate the future value of an annuity - a series of equal periodic payments.

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Important Financial Disclaimer

This calculator provides estimates based on standard financial formulas from verified references. Results are for informational and educational purposes only and should not be considered as professional financial, investment, or tax advice.

For important financial decisions such as loans, investments, mortgages, retirement planning, or tax matters, please consult with qualified financial advisors, certified financial planners, or licensed tax professionals who can review your specific situation.

Calculations may not account for all variables specific to your circumstances, local regulations, or current market conditions. Always verify results and consult professionals before making financial commitments.

Not a substitute for professional financial advice

Annuity Details

$1,000
$100$1,00,000
6%
1%20%
20 periods
1 periods50 periods

Future Value of Annuity

$36,786

Ordinary Annuity after 20 periods

Total Contributions
$20,000
Total Interest
$16,786
FV (Ordinary)
$36,786
FV (Annuity Due)
$38,993

Growth Over Time

Period 1
$1,000(+$0)
Period 3
$3,184(+$184)
Period 5
$5,637(+$637)
Period 7
$8,394(+$1,394)
Period 9
$11,491(+$2,491)
Period 11
$14,972(+$3,972)
Period 13
$18,882(+$5,882)
Period 15
$23,276(+$8,276)
Period 17
$28,213(+$11,213)
Period 19
$33,760(+$14,760)
Period 20
$36,786(+$16,786)

Annuity Future Value Formulas

Ordinary Annuity

FV = PMT x [((1 + r)^n - 1) / r]

Payments made at the END of each period (typical for most investments)

Annuity Due

FV = PMT x [((1 + r)^n - 1) / r] x (1 + r)

Payments made at the BEGINNING of each period (typical for rent, insurance)

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