Future Value of Annuity Calculator
Compare multiple scenarios in one set of results.
Each set of calculation during visit will be saved in this results area.
Future Value of an Annuity (FVA) represents the future equivalent amount of future payments of the same amount for a specific interest rate and a number of periods the interest is compounding. Future Value can be calculated for an ordinary annuity (paid at the end of period) or for an annuity due (paid at the beginning of period).
Future Value of Ordinary Annuity formula (FVOA) is:
Future Value of Annuity Due formula (FVAD) is:
Important notes:
 The time frame (year, month, quarter etc.) must be the same for both, 'Interest Rate' and 'Number of Time Periods';
 This model assumes that the Interest Rates stay the same the entire period;
 This model assumes that Payments are of the same amount the entire period;
 This model uses compound interest method.
This Future Value of Annuity calculator allows you to accomplish the following:
 Determine the future equivalent amount of future payments of the same amount given a specific interest rate and a number of periods the interest is compounding;
 Compare multiple scenarios, by showing each case in the results section.
Future Value of Annuity calculator is part of the Time Value of Money calculators, complements of our consulting team.
Terms of use
 Complementarily, in order to calculate the Future Value of an Annuity, we offer a calculator free of charge.

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 Although C. C. D. Consultants Inc.'s personnel has verified and validated the Future Value of an Annuity calculator, C. C. D. Consultants Inc. is not responsible for any outcome derived from its use. The use of Future Value of Annuity calculator is the sole responsibility of the user and the outcome is not meant to be used for legal, tax, or investment advice.
Definitions and terms used in Future Value of Annuity Calculator
 Payment Amount
 The amount expected to receive or pay each time period.
 Interest Rate Per Period
 The rate at which the interest for the use of money is charged or paid. Usually, the interest rate is expressed as a percentage and noted on annual basis.
 Number of Time Periods
 The number of time the interest is compounded (year, month, quarter etc.) and must have the same time frame as 'Interest Rate Per Period'.
 Compound interest
 The interest that increases exponentially over time periods. The interest earning interest.
 Annuity
 Structured schedule of payments of the same amount at regular time intervals.
 Ordinary Annuity
 The annuity payments are made at the end of each period.
 Annuity Due
 The annuity payments are made at the beginning of each period.
Future Value of Annuity Examples
Example 1:
You invest 10,000.00 at the beginning of each year and earn 3.25% annual interest rate compounded annually. How much the investment is worth after 25 years?
Payment (Annuity) = 10,000
Interest Rate Per Period = 3.25%
Number of Time Periods = 25
Annuity Type: Due (Beginning)
Answer: Future Value = 389,045.31
If you were to continually invest 10,000.00 at the beginning of each year, at a rate of 3.25 % per year, you would receive 389,045.31 after 25 years, which is worth 174,883.43 today.
Example 2:
You invest 10,000.00 at the end of each year and earn 3.25% annual interest rate compounded annually. How much the investment is worth after 25 years?
Payment (Annuity) = 10,000
Interest Rate Per Period = 3.25%
Number of Time Periods = 25
Annuity Type: Ordinary (End)
Answer: Future Value = 376,799.33
If you were to continually invest 10,000.00 at the end of each year, at a rate of 3.25 % per year, you would receive 376,799.33 after 25 years, which is worth 169,378.63 today.
Example 3:
You invest 2,500.00 at the beginning of each quarter and earn 3.24% annual interest rate compounded quarterly. How much the investment is worth after 25 years?
Payment (Annuity) = 2,500
Interest Rate Per Period = 3.24% / 4 = 0.81%
Number of Time Periods = 25 * 4 = 100
Annuity Type: Due (Beginning)
Answer: Future Value = 385,998.15
If you were to continually invest 2,500.00 at the beginning of each quarter, at a rate of 3.25 % per year compounded quarterly, you would receive 385,998.15 after 25 years, which is worth 172,275.59 today.