Category Future Value of Annuity Calculator

This JavaScript calculator lets you project the lump sum created when you deposit the same amount at the end of each year and earn compound interest. Enter the yearly payment, a decimal rate, and years; it instantly applies $$FV = PMT times frc{(1+r)^n - 1}{r}$$ to show your future value. A $2,000 annual deposit earning 5 % for 20 years grows to $66,400—over three times the cash you put in (U.S. SEC compound-interest chart, 2023).

Unlock the power of compound interest with our Future Value of Annuity Calculator. Discover how small, regular investments can grow into substantial wealth over time. Whether you're planning for retirement, saving for education, or setting financial goals, this tool empowers you to make informed decisions. Start planning your financial future today!

The calculator multiplies each start-of-period deposit by one extra compounding period, so an annuity due can finish about 5 % larger than an ordinary annuity at a 5 % rate (Damodaran, 2020).

Regular payments grow faster than you think: depositing $250 each month at 4 % earns roughly $16,600 in five years (Bankrate FV Calculator, https://www.bankrate.com/calculators). Use this tool to enter any payment, period count and rate, then see your future balance instantly.

The tool converts a stream of rising payments into a single future value using the growing-annuity formula. Enter the first payment, interest rate, payment-growth rate and number of periods; the calculator then applies $$FV = P times rac{(1+r)^n-(1+g)^n}{r-g}$$. Example: $750 growing 1.5 % with 3.8 % interest for 12 years becomes ≈ $12,016.28. Long-term U.S. stocks returned ~10 % annually 1926-2022, a common benchmark for r (S&P Dow Jones Indices, 2023).

Make payments at the start of each period and you earn one extra compounding cycle, boosting returns by roughly 5 % compared with end-of-period plans (Investopedia, 2023). This calculator turns your inputs—payment, rate, periods—into an instant future-value figure so you can size retirement, education or business savings in seconds.

Unlock the power of financial planning with our Future Value of Annuity Calculator. Discover how to precisely map your investment journey, optimize retirement savings, and achieve your long-term financial goals. From education funds to dream vacations, learn how this tool can transform your financial future. Ready to take control? Explore now!