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Annuity Calculator

Finance & Investment

Future and present value of ordinary annuities

Quick Answer

Annuity Calculator: Future and present value of ordinary annuities. Annuity Calculator uses standard finance formulas to compute accurate results instantly.

FV of annuity = PMT × ((1+r)ⁿ − 1) ÷ r · Total deposited = PMT × n
Future value155,282.28CNY
Total deposited120,000.00CNY
Interest earned35,282.28CNY
Growth levelModerate growth

Future value composition

Deposits120,000 (77.3%)Interest35,282 (22.7%)

Calculation steps

  1. 1Rate per period r = 5% ÷ 12 = 0.4167%, periods n = 10 × 12 = 120
  2. 2Annuity factor = ((1+r)ⁿ − 1) ÷ r = 155.2823
  3. 3FV = PMT × factor = 1,000.00 × factor = 155,282.28
  4. 4Deposits = 120,000.00, interest = 35,282.28 (29.4% of deposits)

Annuity factor quick table (monthly contribution)

Years3%4%5%6%
5y64.666.368.069.8
10y139.7147.2155.3163.9
15y227.0246.1267.3290.8
20y328.3366.8411.0462.0
30y582.7694.0832.31,004.5

Factor × monthly contribution = future value (e.g. 1k/mo × 5% × 10y ≈ 155.3 × 1000 = 155,300)

Dollar-cost averaging works because contributions in the middle years compound the longest — over half the final interest typically comes from the last few years. The biggest risk is not the rate but stopping contributions during downturns.

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  1. Enter amounts and terms: fill principal, rate and period in the Annuity Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
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Key Points

  • Annuity Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Future and present value of ordinary annuities.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Annuity Calculator formula

Annuity Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Annuity Calculator?
Open the page and fill in the input fields — results update automatically. Future and present value of ordinary annuities.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Annuity Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/annuity

Results provided by this tool are for reference only and do not constitute professional advice.