This future value of annuity calculator finds what a series of equal deposits will grow to by the end, earning a given rate. Enter the payment, rate, and number of periods above.
Formula
FV = PMT × [ (1+r)ⁿ − 1 ] ÷ r
Example
$1,000/year at 5% for 10 years: FV = $12,578.
Why it matters
It shows how regular saving builds wealth over time, the basis of retirement and sinking-fund planning.
Good to know
These results are estimates for educational purposes only and are not financial advice. Rates, fees, and terms vary by lender and situation — confirm figures with a licensed professional before making decisions. Last updated: August 2026.
Frequently Asked Questions
How do I calculate the future value of an annuity?
Multiply the payment by [(1+r) to the power n minus 1] divided by r, using the periodic rate.
What grows the future value most?
A higher rate, larger payments, and more periods all increase the future value, with time having the biggest effect.
What is the difference from present value?
Future value is what deposits grow to later; present value is what future payments are worth today.