This quarterly annuity calculator finds the present and future value of equal payments made every quarter. It uses the quarterly rate and the number of quarters. Enter the values above.
Formulas
Quarterly rate = annual rate ÷ 4 Periods = years × 4 FV = PMT × [ (1+r)ⁿ − 1 ] ÷ r
Example
$500/quarter at 8% for 5 years (r = 2%, n = 20): FV = $12,149.
Good to know
These results are estimates for educational purposes only and are not financial advice. Rates, fees, and terms vary — confirm figures with a licensed professional before making decisions. Last updated: August 2026.
Frequently Asked Questions
How do I calculate a quarterly annuity?
Use the annuity formulas with the quarterly rate (annual over 4) and the number of quarters (years times 4).
Why divide the rate by four?
Because interest is applied each quarter, so the periodic rate is the annual rate divided by four.
Is quarterly better than annual?
More frequent payments and compounding grow the future value slightly faster at the same annual rate.