Future value of annuity calculator

An ordinary annuity’s future value = payment × ((1 + rate)^payments − 1) ÷ rate. At zero rate, multiply payment by count.

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Payment each period

Rate per period (%)

More inputs and assumptions

Number of payments

Answer

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An ordinary annuity’s future value = payment × ((1 + rate)^payments − 1) ÷ rate. At zero rate, multiply payment by count.

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Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

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Formula and assumptions

Payments are equal and arrive at the end of each period. No initial balance, fees or taxes are included.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Future value of annuity calculator

An ordinary annuity’s future value = payment × ((1 + rate)^payments − 1) ÷ rate. At zero rate, multiply payment by count.

Payments are equal and arrive at the end of each period. No initial balance, fees or taxes are included.

Next: Savings goal calculator

A worked example

With payment each period = 100, rate per period (%) = 10, number of payments = 2, the future value of payments is 210.00 (rounded to two decimal places).

Next: Present value of annuity calculator

Before you use the result

Payments are equal and arrive at the end of each period. No initial balance, fees or taxes are included. Calculations keep full browser-number precision. Money amounts are displayed to two decimal places; other results use up to 12 significant digits. Very large values may lose precision.

Example results for payment each period

These examples use Rate per period (%): 10; Number of payments: 2. They are reference calculations, not recommended settings.

Payment each period	Future value of payments
50	105.00
100	210.00
200	420.00

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