Finance

Annuity Future Value Calculator

How much will regular periodic payments be worth in the future with compound interest?

Payment Amount ($)

Interest Rate (%/yr)

Number of Years

Payment Frequency

Type

Formulas:
FV (Ordinary) = PMT × [(1+r)^n − 1] / r
FV (Due) = PMT × [(1+r)^n − 1] / r × (1+r)
Where r = rate per period, n = total periods

Future Value of Annuity

The future value of an annuity calculates how much a series of equal, periodic payments will be worth at a specified future date. This is fundamental for retirement planning — how much will your monthly 401(k) contributions grow to?

Example

Investing $500/month at 7% annual return for 20 years: FV = $260,464. You contributed only $120,000 total — the remaining $140,464 is compound interest growth.