Annuity Calculator

Use this annuity calculator to model recurring payments with more confidence. It helps you estimate how much a steady contribution plan can grow, what a fixed payment stream is worth today and how much you need to invest each period to reach a target amount.

The tool works with rate per period and number of periods, so you can model monthly, quarterly or yearly scenarios as long as both use the same time base. You can also switch between end-of-period payments and beginning-of-period payments.

The result highlights the main value, total contributions, the difference created by growth or discounting and the annuity factor used in the formula. That makes it useful for savings plans, pension estimates, cash-flow planning and side-by-side comparisons of recurring financial decisions.