Annuity Calculator
Future and present value of regular payments.
Need Annuity fast? Founders, analysts and investors use the Annuity Calculator to skip the spreadsheet and get a reliable answer in one step. It's 100% free, runs privately in your browser, and the result is ready to drop into a pitch, plan or report.
About Annuity Calculator
Need to work out Annuity fast? This computes the future and present value of a series of equal, regular payments (an annuity). The Annuity Calculator uses the standard formula — FV = PMT × [((1 + r)^n − 1) ÷ r] — and updates the moment you type. For example, $500/mo for 10 years at 5% grows to about $77,600. It's 100% free, private (your numbers never leave your device) and works on any device.
How to use Annuity Calculator
- 1Enter the payment amount, interest rate and number of periods into the calculator.
- 2The Annuity is computed automatically using the formula FV = PMT × [((1 + r)^n − 1) ÷ r] — there's no button to press.
- 3Change any input to model a different scenario, then note or copy the result.
Why use Annuity Calculator?
- ✓Calculates Annuity instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the numbers you enter stay private
- ✓Updates live as you type — perfect for comparing scenarios
Frequently asked questions
How do you calculate Annuity?+
This computes the future and present value of a series of equal, regular payments (an annuity). The formula is: FV = PMT × [((1 + r)^n − 1) ÷ r]. For example, $500/mo for 10 years at 5% grows to about $77,600.
Present value vs future value of an annuity?+
Future value is what the stream of payments grows to; present value is what that future stream is worth in today's money.
Is the Annuity Calculator free to use?+
Yes — it's completely free, with no sign-up, no login and no usage limits. You can run it as many times as you like.
Is my data private?+
Yes. The Annuity Calculator runs entirely in your browser, so the figures you enter are never uploaded or stored on any server.
Embed Annuity Calculator on your website
Want Annuity Calculatoron your own site? Paste this snippet into any HTML page — it's free, with no API key or sign-up. The tool loads in an iframe and keeps working exactly as it does here.
<iframe src="https://tooljolt.com/tools/annuity-calculator" width="100%" height="640" style="border:1px solid #e5e7eb;border-radius:12px;max-width:680px" title="Annuity Calculator — ToolJolt" loading="lazy"></iframe>