Annuity Calculator
Project the accumulation phase of an annuity: a starting principal plus regular annual and monthly additions, compounded at a fixed growth rate. Choose deposits at the beginning (annuity due) or end (ordinary annuity) of each period and watch the balance build year by year.
TheCalculators — Annuity Calculator
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End Balance
$175,533.38
After 10 years at 6.00% (annuity due)
- Starting Principal
- $20,000
- Total Additions
- $100,000
- Return / Interest Earned
- $55,533.38
- End Balance
- $175,533.38
Balance composition
- Starting principal$20,000
- Additions$100,000
- Return/interest$55,533
Growth over time
Accumulation schedule
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Formula
FV = P(1+r)^n + PMT × [((1+r)^n − 1)/r] × (1+r if annuity due)
Pro tips
- • Deposits made at the beginning of each period (annuity due) end up worth more because every dollar compounds one extra period.
- • Annuity growth is tax-deferred, but withdrawals are usually taxed as ordinary income and may carry surrender charges.
FAQ
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