Annuity Calculator
Calculate the future value of regular deposits with compound interest. Supports both annuity due and ordinary annuity calculations.
Calculator Inputs
Starting Principal
Regular Additions
When enabled, deposits are made at the beginning of each period and earn interest immediately.
Growth Parameters
Note: Monthly deposits use monthly compounding; annual deposits use annual compounding.
Results
End Balance, Total Additions, Interest Earned
Enter your annuity information to see your results
Formulas & Notes
Future Value of Starting Principal
FV_principal = P₀ × (1 + r)ⁿ
Annual Additions (Ordinary)
FV_annual = A_annual × [(1 + r)ⁿ - 1] / r
Annual Additions (Annuity Due)
FV_annual_due = FV_annual × (1 + r)
Monthly Additions
r_m = (1 + r)^(1/12) - 1
FV_monthly = A_monthly × [(1 + r_m)^N - 1] / r_m
FAQs