Annuity Calculator

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

Contribution per period

Frequency

Annual rate %

Years

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

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

Annuity factor quick table (monthly contribution)

Years	3%	4%	5%	6%
5y	64.6	66.3	68.0	69.8
10y	139.7	147.2	155.3	163.9
15y	227.0	246.1	267.3	290.8
20y	328.3	366.8	411.0	462.0
30y	582.7	694.0	832.3	1,004.5

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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Key Points

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Key capability: Future and present value of ordinary annuities.
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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?

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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: 2026-08-06

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

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.

Annuity factor quick table (monthly contribution)

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Annuity factor quick table (monthly contribution)