Annuity Calculator
Future value of regular monthly payments.
Runs in your browser. Nothing is uploaded — your input is processed on this device and discarded when you close the tab.
Annuity Calculator
How to use this tool
- Enter your values in the fields above.
- Press Generate. The result appears below the buttons.
- Use Load sample to see a worked example, or Clear to start again.
Worked example
Paying 100 per month for 10 years at 6% (compounded monthly) gives a future value of 16,387.93. Total paid is 12,000, so interest earned is 4,387.93.
What this tool does not do / Limits
This assumes payments at the end of each month, a fixed rate, and monthly compounding, and it is not financial advice. Real accounts add fees, taxes and changing rates.
Frequently asked questions
What is an ordinary annuity?
Payments made at the end of each period. Payments at the start of each period (annuity due) would end slightly higher, by one month of growth.
Does it include inflation?
No. The result is in nominal terms; inflation would reduce what that future amount buys.
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