Plan deposits with flexible timing and frequencies. View balances, schedules, charts, and export-ready results instantly. Understand each contribution’s compounded impact across every savings period.
| Regular Payment | Annual Rate | Years | Payment Frequency | Compounding Frequency | Annuity Type | Starting Principal | Future Value |
|---|---|---|---|---|---|---|---|
| 200.00 | 6% | 5 | Monthly | Monthly | Ordinary | 1,000.00 | 15,302.86 |
| 150.00 | 7.5% | 10 | Quarterly | Monthly | Due | 5,000.00 | 19,568.28 |
| 500.00 | 4.8% | 8 | Bi-Weekly | Monthly | Ordinary | 0.00 | 126,621.03 |
This calculator estimates the future value of a fixed annuity when equal payments are made at a chosen frequency across a set term. It also handles a starting principal, which is useful when an investor already has money saved before regular deposits begin.
You can compare ordinary annuity timing with annuity due timing. In an ordinary annuity, each payment is added at the end of the period. In an annuity due, each payment is added at the beginning of the period, so every deposit earns interest for one additional payment period.
The tool also lets you separate payment frequency from compounding frequency. That matters when deposits are monthly but interest compounds quarterly, yearly, or at another interval. The calculator converts the annual rate into an effective rate for each payment period so the result stays consistent.
After calculation, the page shows the total future value, the share created by recurring payments, the share created by the starting principal, total contributions, and total interest earned. It also builds a schedule and a growth chart so you can review the accumulation pattern over time.
Effective rate per payment period: i = (1 + r / m)(m / p) - 1
Here, r is the annual nominal rate, m is the compounding frequency per year, and p is the payment frequency per year.
Total payment periods: n = years × p
Ordinary annuity future value: FV = PMT × [((1 + i)n - 1) / i]
Annuity due future value: FVdue = FV × (1 + i)
Starting principal future value: FVprincipal = PV × (1 + i)n
Total future value: FVtotal = FVannuity + FVprincipal
When the effective period rate is zero, the annuity part becomes PMT × n.
A fixed annuity here means the regular payment stays the same for every payment period. The interest rate is also treated as constant during the full term.
Ordinary annuity payments happen at the end of each period. Annuity due payments happen at the beginning, so each payment earns one extra period of growth.
Deposits and interest do not always happen on the same timetable. This calculator converts the annual rate into an effective payment-period rate so both frequencies can work together correctly.
The future value becomes the total of all contributions only. In that case, the annuity part equals payment multiplied by the number of periods.
Yes. Use the starting principal field to include money already on hand. The calculator compounds that amount alongside the fixed annuity payments.
Each payment is invested earlier. Because the money remains in the account for longer, it earns more interest than the same payment made at the end of the period.
If the chosen years do not produce a whole number of payment periods, the schedule rounds to the nearest whole period. The page shows that note when it happens.
They export the generated payment schedule and key summary values. This makes it easier to review the calculation, save a record, or share results elsewhere.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.