Annuity Calculator
Calculate the future value of regular monthly contributions with compound growth, plus total contributions and interest earned.
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Frequently asked questions
- What does this annuity calculator compute?
- It calculates the future value of a savings annuity: regular monthly contributions that grow at a compound rate, optionally starting from an existing balance. It shows the projected future value, your total contributions, and the interest earned on top.
- How is future value calculated?
- The calculator compounds monthly. Each contribution earns your annual rate divided by 12 every month using the standard future value of an annuity formula, and any starting balance grows by compound interest over the full period.
- Is this a fixed annuity product or a savings projection?
- It is a savings and investment growth projection, useful for retirement or goal planning. It is not a quote for a commercial annuity product, whose payouts depend on insurer terms, fees, and mortality assumptions.
- What return rate should I use?
- Use a realistic long-term rate for your investment mix. Diversified stock portfolios have historically averaged around 6 to 7 percent after inflation, while conservative or bond-heavy portfolios are lower. Real returns vary year to year.
- Are the results guaranteed?
- No. The calculator assumes a constant return compounded monthly. Actual markets fluctuate, so treat the result as a planning estimate, not a promise. Consult a financial advisor for your situation.