Annuity Future Value Calculator

Calculate the future value of an annuity - a series of equal periodic payments.

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Important Financial Disclaimer

This calculator provides estimates based on standard financial formulas from verified references. Results are for informational and educational purposes only and should not be considered as professional financial, investment, or tax advice.

For important financial decisions such as loans, investments, mortgages, retirement planning, or tax matters, please consult with qualified financial advisors, certified financial planners, or licensed tax professionals who can review your specific situation.

Calculations may not account for all variables specific to your circumstances, local regulations, or current market conditions. Always verify results and consult professionals before making financial commitments.

Not a substitute for professional financial advice

Annuity Details

Payment per Period$1,000

$100$100,000

Interest Rate per Period6%

1%20%

Number of Periods20 periods

1 periods50 periods

Annuity Type

Future Value of Annuity

$36,786

Ordinary Annuity after 20 periods

Total Contributions

$20,000

Total Interest

$16,786

FV (Ordinary)

$36,786

FV (Annuity Due)

$38,993

Growth Over Time

Period 1

$1,000(+$0)

Period 3

$3,184(+$184)

Period 5

$5,637(+$637)

Period 7

$8,394(+$1,394)

Period 9

$11,491(+$2,491)

Period 11

$14,972(+$3,972)

Period 13

$18,882(+$5,882)

Period 15

$23,276(+$8,276)

Period 17

$28,213(+$11,213)

Period 19

$33,760(+$14,760)

Period 20

$36,786(+$16,786)

Annuity Future Value Formulas

Ordinary Annuity

FV = PMT x [((1 + r)^n - 1) / r]

Payments made at the END of each period (typical for most investments)

Annuity Due

FV = PMT x [((1 + r)^n - 1) / r] x (1 + r)

Payments made at the BEGINNING of each period (typical for rent, insurance)

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sources

•Reserve Bank of India (RBI) — Financial regulations, lending rates, and monetary policy guidelines. rbi.org.in
•Consumer Financial Protection Bureau (CFPB) — Consumer finance guidelines, mortgage and loan disclosure standards. consumerfinance.gov
•Securities and Exchange Board of India (SEBI) — Investment and securities market regulations. sebi.gov.in
•Investopedia — Financial formulas, definitions, and educational content. investopedia.com

For a complete list of all references used across the site, visit our full sources page.

Editorial Note

MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Fundamentals of Financial Management

by Brigham & Houston

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.