Annuity Calculator
Estimate how your annuity may grow over time, compare your total contributions with earned interest, and view a simple year-by-year projection before making long-term financial decisions.
Plan with clearer numbers
Enter your starting amount, payment, interest rate, term, and payment frequency. The calculator instantly shows estimated growth, total deposits, and interest earned.
Calculate Annuity
Your Results
| Year | Starting Balance | Payments | Interest | Ending Balance |
|---|---|---|---|---|
| Enter values and click calculate. | ||||
What Is an Annuity Calculator?
An annuity calculator helps you estimate the value of a stream of regular payments over time. It is commonly used for retirement planning, pension income, insurance products, investment planning, and long-term savings decisions.
Instead of guessing how much your money may grow, this tool uses your payment amount, interest rate, term, payment frequency, and payment timing to create a clearer projection.
Useful for:
- Estimating retirement savings growth
- Comparing monthly, quarterly, and yearly payments
- Understanding interest earned over time
- Planning regular investment contributions
How It Works
The calculator uses standard annuity formulas to estimate future value or present value. You only need to enter your basic financial details.
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Enter your starting amount
Add the current balance or initial investment amount.
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Add regular payment details
Enter how much you plan to contribute each period.
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Set rate, years, and frequency
Choose the expected annual return, investment term, and payment schedule.
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Review your projection
See the estimated value, total deposits, interest, and yearly breakdown.
Why Payment Timing Matters
An ordinary annuity assumes payments are made at the end of each period. An annuity due assumes payments are made at the beginning of each period. Because money has more time to grow when payments are made earlier, an annuity due usually produces a slightly higher future value.