New Design Not working For You?

If the new page layout is not working for you, please Contact Me and let me know what device, operating system, and web browser (with version numbers) you are using so I can attempt to get the layout working for your setup.

About the Redesign

If you visited this site prior to September 15th, 2018, you've no doubt noticed that I've since launched a complete redesign of the website.

If you're not happy with the new design, I sincerely apologize. I would have preferred to keep the old desktop design, but considering the majority of my site's users are now accessing the site from small-screen, touch-enabled, mobile devices, and considering Google is now penalizing websites for not being mobile/thumb friendly, I was left with no choice but to switch to a responsive, mobile-first design.

The good news is that now that I have combined the three separate versions of the site (mobile, desktop, and ad-free member) into a single design, this will free up a ton of my time for working to make the mobile-optimized calculators more desktop/laptop friendly. In fact, some of the redesigned calculators already offer a desktop-optimized form that becomes visible when you increase the width setting of the calculator (within the "Calculator Preferences" expandable panel).

Thank you in advance for your help and patience as I work to improve the redesign.


Calculator Preferences
Future Value Annuity Calculator Sign

Future Value Annuity Calculator

This calculator will calculate the future value of a series of equal cash flows (at any one of 9 different frequencies), for either an annuity due or for an ordinary annuity, for a specified period of time, and at a specified annual interest rate. Results include a year-to-year growth chart. The Learn tab includes:

  • What is annuity?
  • What's the difference between an annuity due and an ordinary annuity.
  • Why is understanding annuities important?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Type:Type of annuity:Type of annuity:Type of annuity:

Type of annuity:

Select the type of annuity. An Annuity Due indicates payments are received at the beginning of each period, whereas an Ordinary Annuity indicates payments are received at the end of each period.

Frequency:Frequency:Deposit/Payment Frequency:Deposit/Payment Frequency:

Deposit/Payment Frequency:

Select the payment/deposit interval.

Amount:Dep/pmt amount:Deposit/ payment amount:Deposit/ payment amount:

Deposit/ payment amount:

Enter the corresponding payment/deposit amount for the selected interval (without dollar sign or comma).

# of yrs:# of years:Number of years:Number of years to calculate future value:

Number of years to calculate future value:

Enter the number of years you would like to calculate future value for.

Rate:Interest rate:Annual interest rate:Annual interest rate:

Annual interest rate:

Enter the annual interest rate to be used for the future value calculations. Please enter as a percentage but without the percent sign (for .06 or 6%, enter 6). Note that the future value annuity calculator will convert the annual interest rate to the rate that corresponds to the payment frequency. For example, if you selected a monthly payment frequency, the future value annuity calculator will divide the annual rate by 12.

FV:Future Value:Future value of an annuity:Future value of an annuity:

Future value of an annuity:

Based on your entries, this is the future value of the annuity you entered information for.

Dep/pmts:Total dep/pmts:Total payments/deposits:Total of annuity payments/deposits:

Total of annuity payments/deposits:

Based on your entries, this is the total of the annuity payments for all periods.

Int earned:Interest earned:Compound interest earned:Compound interest earned on annuity:

Compound interest earned on annuity:

Based on your entries, this is how much compound interest will be earned on the invested annuity payments. This result also represents the financial opportunity cost of spending the periodic payment on non-essential expenditures that lose their value with time and/or use (depreciable assets and expendables).

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



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