Finance & Investment
Annuity Calculator
Annuity Calculator is a browser-based calculator tool on CalcToolsBase. Free, browser-based Annuity Calculator. Enter your values for an instant, clearly-labelled estimate - no signup, no uploads. To use it, enter your values and view the result directly in your browser — no signup and nothing to install.
Use Annuity Calculator to find the future value of a payment stream: give it your payment per period, annual rate and number of years, press Calculate, and read off the future value and total contributions — all worked out on your device.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
Annuity Calculator is built to find the future value of a payment stream without a server round-trip. Provide your payment per period, annual rate and number of years and it uses the ordinary-annuity future-value formula to produce the future value and total contributions, instantly and entirely in your browser, which makes it handy for quick checks and repeat runs.
How to use
- Enter the equal payment made each year.
- Type the annual rate of return earned on each payment.
- Set the number of years the payments continue (whole years only, since each payment is annual).
- Tap Calculate to see the annuity's future value and total contributions.
Why use the Annuity Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Annuity for the future value of yearly contributions
Annuity when planning a retirement contribution stream
Annuity for end-of-year payment schedules
Annuity for a quick annuity future-value check
Annuity for an education fund built by yearly payments
Annuity when reviewing an annual funding plan
Technical notes
Annuity Calculator values a stream of equal end-of-year payments with the ordinary-annuity future-value formula FV = P·((1+i)^n − 1)/i.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
All arithmetic runs in your browser using double-precision floating point, so extreme inputs may show tiny rounding differences.
Worked example
The future value of an annuity of 50,000 deposited each year for 10 years at 8% is 50,000 × ((1.0810 − 1)/0.08) = 724,328.12 — the worth of all the yearly payments at the end of the term, not their present value.
FAQ
Does this assume payments at the start or end of the year?
It models an ordinary annuity, with each payment made at the end of the year, so the final payment earns no further growth.
Does the Annuity Calculator send my data to a server?
No. The Annuity Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What is the future value of an annuity?
It is the total that a stream of equal periodic payments grows to by the end, including the compound growth earned on each payment.
How is this different from a lump-sum projection?
An annuity adds a fresh equal payment every period, whereas a lump-sum tool grows a single amount invested once at the start.