Annuity Calculator

Calculate the future value of a series of regular payments into an ordinary annuity.

⏱ Updated: 17 Sep 2026

Calculator

Free annuity calculator: find the future value of a series of regular payments.

Future Value
Total Contributed
Interest Earned

Assumes an "ordinary annuity" — each payment made at the end of its period, the standard convention for most savings and loan calculations.

Enter a regular payment, interest rate, and time period to calculate the future value of an ordinary annuity, along with total contributions and interest earned.

How to Use the Annuity Calculator

Four fields — payment, rate, frequency, and years — and the future-value math runs the moment the last one is filled in.

Put the same amount away every month and the total doesn't climb in a straight line. Each contribution starts earning interest the moment it lands, so a dollar saved in year one has been compounding far longer than a dollar saved in year nine by the time you reach the end.

FV = PMT × [((1 + r)ⁿ − 1) ÷ r]

PMT is the regular payment, r the interest rate per period, and n the total number of periods. This tool assumes an ordinary annuity — each payment lands at the end of its period — which is the standard convention for savings plans, retirement contributions, and most loan math. If your plan pays out at the start of each period instead (an "annuity due"), the true future value runs slightly higher than what's shown here.

The gap between "Total Contributed" and "Future Value" in the result is pure interest — money the account generated on its own, without another deposit.