Annuity Calculator

Use payment amount, rate, term, and payment timing to estimate ordinary or annuity-due values.

Rate conventionPeriod consistencyFormula auditPlanning estimate

Payment amount

Nominal annual rate (%)

Years

Timing

Payments per year

Compounds per year

—Future value

—Present value

—Total nominal payments

—Number of payments

—Payment-period rate is derived from the nominal annual rate and selected compounding frequency before the annuity formula is applied.

Planning estimate only. Results depend on the values and assumptions you enter and are not financial, tax, legal, or lending advice.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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Payment frequency and compounding are separate assumptions

The payment-period rate is derived from the nominal annual rate and compounding frequency before ordinary or annuity-due formulas are applied.

Planning scope

This calculator is a deterministic planning aid based only on the values you enter. It does not supply current tax rates, market returns, employment-law classifications, individualized investment advice, or product recommendations. Verify real-world rates, rules, fees, and timing separately.