Annuity Calculator — Free Future Value Estimator
Estimate how regular payments grow over time — enter payment, rate, and years to see future value, contributions, and interest.
Tool Interface
| Year | Contributions | Interest | Balance |
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How to use
- Choose the annuity type: ordinary (payments at the end of each period, the most common) or annuity-due (payments at the beginning).
- Enter your regular payment, the annual interest rate, and the number of years.
- Pick the payment frequency (monthly, quarterly, or annually).
- Press Calculate to see the estimated future value, your total contributions, interest earned, and a year-by-year growth table — all computed in your browser.
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About This Tool
Introduction
An annuity turns small regular payments into serious long-term growth — but the math behind it is anything but simple. Trencada's free Annuity Calculator does the official future-value calculation for you: enter your regular payment, annual interest rate, and number of years, and it estimates how much your money grows with monthly, quarterly, or annual compounding. Switch between ordinary annuity (payments at the end of each period) and annuity-due (payments at the beginning) to match your real plan. Everything runs entirely in your browser with no signup and no downloads.
How to Use
- Choose the annuity type: ordinary (payments at the end of each period — the most common) or annuity-due (payments at the beginning).
- Enter your regular payment, the annual interest rate (%), and the number of years.
- Pick the payment frequency (monthly, quarterly, or annually).
- Press Calculate to see the estimated future value, total contributions, interest earned, and a year-by-year growth table — all computed in your browser.
Key Features
- Ordinary and annuity-due modes with the correct formula for each
- Monthly, quarterly, and annual payment frequencies
- Future value, total contributions, and interest earned shown together
- Scrollable year-by-year growth table
- Inline validation — no silent wrong numbers
- Fully responsive — works on phones, tablets, and desktops
Why Choose Trencada
Every Trencada tool is free forever with no hidden costs, no accounts, and no installation. The Annuity Calculator runs 100% in your browser, so your financial figures are instant and private — nothing is uploaded, stored, or tracked.
Frequently Asked Questions (FAQ)
- What is the difference between an ordinary annuity and an annuity-due? In an ordinary annuity, payments are made at the end of each period (like most savings plans). In an annuity-due, payments are made at the beginning of each period, so each payment earns slightly more interest. The calculator handles both with the correct formula.
- What formula does the calculator use? Future value = payment × [((1 + r)^n − 1) / r], multiplied by (1 + r) for annuity-due — where r is the per-period rate and n is the total number of periods.
- Is this financial advice? No. This is an educational estimate. Actual results vary with fees, taxes, and rate changes — talk to a financial professional before making decisions.
- Is my data private? Yes. The tool runs entirely in your browser — no figures or personal data leave your device.