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Future Value Annuity Calculator to Calculate Future Value of Ordinary or Annuity Due

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Future Value Annuity Calculator Sign
Future Value Annuity Calculator

This calculator will calculate the future value of a series of equal cash flows (at any one of 9 different frequencies), for either an annuity due or for an ordinary annuity, for a specified period of time, and at a specified annual interest rate. Results include a year-to-year growth chart. The Learn tab includes:

  • What is annuity?
  • What's the difference between an annuity due and an ordinary annuity.
  • Why is understanding annuities important?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Type:Type of annuity:Type of annuity:Type of annuity:

Type of annuity:

Select the type of annuity. An Annuity Due indicates payments are received at the beginning of each period, whereas an Ordinary Annuity indicates payments are received at the end of each period.

Frequency:Frequency:Deposit/Payment Frequency:Deposit/Payment Frequency:

Deposit/Payment Frequency:

Select the payment/deposit interval.

Amount:Dep/pmt amount:Deposit/ payment amount:Deposit/ payment amount:

Deposit/ payment amount:

Enter the corresponding payment/deposit amount for the selected interval (without dollar sign or comma).

# of yrs:# of years:Number of years:Number of years to calculate future value:

Number of years to calculate future value:

Enter the number of years you would like to calculate future value for.

Rate:Interest rate:Annual interest rate:Annual interest rate:

Annual interest rate:

Enter the annual interest rate to be used for the future value calculations. Please enter as a percentage but without the percent sign (for .06 or 6%, enter 6). Note that the future value annuity calculator will convert the annual interest rate to the rate that corresponds to the payment frequency. For example, if you selected a monthly payment frequency, the future value annuity calculator will divide the annual rate by 12.

FV:Future Value:Future value of an annuity:Future value of an annuity:

Future value of an annuity:

Based on your entries, this is the future value of the annuity you entered information for.

Dep/pmts:Total dep/pmts:Total payments/deposits:Total of annuity payments/deposits:

Total of annuity payments/deposits:

Based on your entries, this is the total of the annuity payments for all periods.

Int earned:Interest earned:Compound interest earned:Compound interest earned on annuity:

Compound interest earned on annuity:

Based on your entries, this is how much compound interest will be earned on the invested annuity payments. This result also represents the financial opportunity cost of spending the periodic payment on non-essential expenditures that lose their value with time and/or use (depreciable assets and expendables).

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.