Annuity Calculator
Estimate annuity accumulation.
Inputs
$
$
%
yrs
Result
Accumulated Value$476,780.86
About the Annuity Calculator
The Annuity Calculator estimates the future value of an annuity — a series of equal payments made at regular intervals — plus the total contributions and interest earned.
Calculation method
Uses the future value of an ordinary annuity formula (payments at end of period).
FV = PMT × ((1+r)^n − 1) / rHow to use this calculator
- Enter the recurring payment amount.
- Enter the interest rate and number of payments.
- See the future value and total interest.
Example
$500/month at 5% for 20 years grows to about $205,500 — $120,000 in contributions and $85,500 in interest.
Frequently asked questions
Fixed vs. variable annuity?
Fixed annuities pay a guaranteed rate; variable annuities invest in sub-accounts and returns vary. Fixed offers safety; variable offers upside with more risk and fees.
Is an annuity a good retirement product?
Immediate annuities can provide reliable lifetime income. Deferred variable annuities often carry high fees — compare carefully with low-cost alternatives.
What's ordinary vs. annuity due?
Ordinary annuities pay at period end; annuities due pay at period start. Annuity due future value is (Ordinary FV) × (1 + r).
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for decisions specific to your situation.