💡 How to Use the Annuity Calculator

This tool estimates how much money you’ll accumulate through a fixed stream of payments over time. It's ideal for retirement planning, insurance payouts, or investment comparisons.

Payment Per Period ($): Fixed amount you contribute or receive regularly.
Number of Periods: Total payments. Example: 10 years × 12 months = 120.
Interest Rate (%): Expected annual return on investment.
Compounding Frequency: How often interest is applied—monthly, quarterly, yearly.
Annuity Type:
- Ordinary Annuity: Payments made at end of each period (most common).
- Annuity Due: Payments made at beginning of each period.

Click “Calculate” to view your results: future value, interest earned, and a detailed breakdown.

💰 Annuity Calculator

💸 Payment Per Period ($): 📅 Number of Periods: 📈 Annual Interest Rate (%): 🔁 Compounding Frequency: 📌 Annuity Type:

📘 How to Use the Annuity Calculator

This calculator helps you estimate the future value of an annuity—a fixed stream of payments made over time. Annuities are commonly used in retirement planning, insurance payouts, and investment strategies.

🔹 What Each Field Means

💸 Payment Per Period ($):
The fixed amount you invest or receive every period (e.g., monthly or yearly). For example, if you contribute $200/month into an annuity, enter “200”.
📅 Number of Periods:
How many total payments you’ll make.
👉 For 10 years of monthly payments, use 120 periods (10 × 12).
👉 For 20 years of annual payments, use 20 periods.
📈 Interest Rate (% per year):
The expected annual interest (return) your annuity earns. If you’re earning 5% per year, enter “5”.
🔁 Compounding Frequency:
How often interest is added to the annuity:
- Monthly (12): Most common for savings or pensions.
- Quarterly (4): Paid or earned 4 times per year.
- Annually (1): Interest is added once per year.
📌 Type of Annuity:
- Ordinary Annuity: Payments occur at the end of each period (most common).
- Annuity Due: Payments occur at the beginning of each period (e.g., rent payments).

📊 What You’ll See After Clicking “Calculate”:

Future Value:
The total amount your annuity will be worth at the end of the investment period.
Interest Earned:
How much of your final balance came from compounding—not from your own payments.
Chart:
A visual showing the difference between total contributions and interest growth.
Table:
Period-by-period breakdown including contributions, interest added, and accumulated balance.
Exports:
Click “Export CSV” to download results into Excel, or “Export PDF” for a print-ready summary.

💬 Why It Matters:
Understanding annuities helps you plan predictable income, save efficiently, and prepare for retirement with confidence. Whether you’re funding your future or evaluating an insurance payout, this calculator shows how powerful consistent investing can be.