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Annuity Calculator – Future Value of Regular Contributions

An annuity, in its basic financial sense, is a series of equal payments made at regular intervals — like monthly retirement contributions, recurring savings deposits, or regular loan payments. Calculating the future value of these payments shows how much a consistent savings habit will grow to over time, accounting for compound interest between each deposit.

This calculator projects the future value of an ordinary annuity (payments at end of period) or annuity due (payments at start of period). Enter payment amount, interest rate, and number of periods to see how much your regular contributions will accumulate to.

How to use the Annuity Calculator

Select annuity type: ordinary annuity (end of period) or annuity due (beginning of period).

Enter the payment amount per period.

Enter the annual interest rate.

Enter the number of payment periods (months or years).

View future value, total contributions, and total interest earned.

Future Value of $500/Month Annuity at Different Rates
Years	3% Annual Rate	5% Annual Rate	7% Annual Rate	9% Annual Rate
10	$69,941	$77,641	$86,440	$96,463
20	$163,861	$204,511	$259,861	$334,928
30	$291,474	$416,129	$609,985	$915,238

Annuity Calculator FAQ

What is the difference between ordinary annuity and annuity due?

In an ordinary annuity, payments occur at the end of each period (most common — like mortgage payments). In an annuity due, payments occur at the beginning (like rent). Annuity due grows slightly more because each payment has one extra period to earn interest.

How is an annuity different from a savings account?

A savings account earns interest on a lump sum. An annuity involves regular deposits, each of which earns interest from the moment it's deposited. The future value formula accounts for the compound growth of every individual deposit.

Can I calculate a pension as an annuity?

Yes — a pension that pays a fixed monthly amount for life is a type of annuity. The present value of that stream of payments can be calculated using an annuity present value formula.

What is the Rule of 72 for annuities?

The Rule of 72 estimates how long it takes for a lump sum to double at a given rate (72 ÷ rate). For annuities, growth is more complex because each deposit has a different investment horizon, but the rule still gives a rough sense of the power of the rate.