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Annuity Calculator: PV & FV Planner

Two scenarios side-by-side. Chart, amortization table, CSV & PDF export, currency selector, and inflation adjustment.

Tip: press Enter in any input to calculate.

Scenario A

Scenario B

Scenario A Summary

No calculation yet.

Scenario B Summary

No calculation yet.

Growth Chart

Amortization — Scenario A

Period Payment Interest Principal Balance Real value

Amortization — Scenario B

Period Payment Interest Principal Balance Real value

Annuity Calculator: Master Your Future Value

Calculate the Future & Present Value of your investments instantly. Plan your retirement, savings, and wealth creation with precision.

Introduction

Planning your finances is one of the most important steps toward achieving long-term financial security. Whether you're saving for retirement, building an education fund, or investing for future goals, understanding how your money grows over time is essential.

"An Annuity Calculator is a simple yet powerful financial tool that helps you estimate the future or present value of a series of regular payments."

How to Use the Online Annuity Calculator?

  • 1 Currency: Select INR, USD, etc.
  • 2 Payment Per Period: Enter your regular investment amount.
  • 3 Annual Rate: Input the expected return percentage.
  • 4 Years: Total duration of your investment.
  • 5 Annuity Type: Choose Ordinary (End) or Due (Start).
  • 6 Calculate: Get instant charts and PDF reports.

Understanding Types of Annuities

1. Ordinary Annuity

Payments are made at the end of each period. Most common in loans and SIPs.

  • • Monthly SIP Investments
  • • Mortgage / Loan EMIs
  • • Pension Payouts

2. Annuity Due

Payments are made at the beginning of each period. Earns more interest over time.

  • • House Rent
  • • Insurance Premiums
  • • Lease Payments

Why is this Calculator Important?

Instead of performing complex financial calculations manually, our online annuity calculator provides instant results. It uses compound interest formulas to show you the Future Value (FV)—what you'll have later, and Present Value (PV)—what future money is worth today.

Factors Affecting Your Growth:

  • Interest Rate: Higher rates = Faster wealth creation.
  • Duration: Time is your best friend in compounding.
  • Inflation: Always check "Real Value" to see purchasing power.

Quick Benefits

  • Saves Time & Errors
  • Retirement Planning
  • Easy Investment Comparison
  • Professional Data Export

Frequently Asked Questions

What is the difference between Ordinary Annuity and Annuity Due?

Ordinary annuity payments are made at the end of the period, while annuity due payments occur at the start.

Is an annuity calculator accurate?

Yes, it uses standard financial mathematical formulas to provide highly accurate estimates based on your inputs.

Can I use this for retirement planning?

Absolutely! It’s the perfect tool to estimate how much corpus you will accumulate by the time you retire.

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