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Annuity Future Value Calculator

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Result

Calculated result Ready Change any value to calculate instantly.
↗ Finance

Annuity Future Value Calculator The Annuity Future Value Calculator shows how much a series of regular deposits will grow to by the end of a saving period, with compound interest. Enter how much you save each month, the annual interest rate, and the numbe — free online calculator.

Formula

FV = PMT × ((1+r)^n − 1)/r; monthly r = APR/1200, n = 12 × years
  • Calculation based on the stated inputs and formula. Assumes constant rates and excludes fees or taxes unless explicitly entered. Educational estimate only.
  • The main inputs are Monthly deposit, Annual interest rate, Years. Enter them in the units and format shown in the calculator.
  • Use monetary amounts, rates and time periods exactly as labeled; the result reflects the assumptions entered on this page.
  • Changing any input above recalculates the result with the same calculation engine used by this page.

Example: Annuity Future Value

Inputs
  • Monthly deposit: 200
  • Annual interest rate: 6 %
  • Years: 10

Example inputs: Monthly deposit = 200; Annual interest rate (%) = 6; Years = 10. Calculated result: Future value: 32775.86936129 | Total contributions: 24000.

Sample result: Calculating…

Frequently asked questions

What does the Annuity Future Value calculate?

This ordinary-annuity formula assumes deposits occur at the end of each period.

Which values should I enter?

Enter Monthly deposit, Annual interest rate, Years using the units and format shown beside each field.

What formula does this calculator use?

The calculator uses the following relationship: FV = PMT × ((1+r)^n − 1)/r; monthly r = APR/1200, n = 12 × years.

Why might my result differ from another source?

Results can differ when another source uses different units, rounding rules, conventions or assumptions. Compare the inputs and definitions before comparing results.

Does the result update automatically?

Yes. Changing an input updates the result using the same calculation engine shown on this page.

Page information

Updated: October 7, 2026