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Free Annuity Calculator
Calculate the future and present value of regular payments at a fixed interest rate.
Payments of a fixed size are made each period for the chosen years. Future value compounds each payment at the periodic rate (annual rate divided by payments per year) and present value discounts them; payments at the start of each period earn one extra period of interest.
How to use the Annuity Calculator
- Enter your starting amount, regular contribution, expected return and time period.
- Read the end value and the split between money you put in and growth.
- Try a lower return as well as a higher one, because real markets are uneven.
About the Annuity Calculator
Calculate the future and present value of regular payments at a fixed interest rate.
Time and consistency do most of the work in saving and investing. Running the numbers shows how small changes in rate, term or contribution add up.
Getting started with the Annuity Calculator
Using the annuity calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.
Tips for better results
Use present value to compare a lump sum with a stream of payments. Switching between start and end of period shows the effect of timing.
Treat the result as an illustration, not a promise. Returns vary year to year.
Fees and inflation reduce real growth, so consider both when planning.
Privacy and where your data goes
Everything you type into the annuity calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.
Frequently asked questions
What is the difference between an ordinary annuity and an annuity due?
An ordinary annuity pays at the end of each period, while an annuity due pays at the start. Due payments earn interest for an extra period, so values are higher.
Does this model an insurance annuity contract?
No. It is a financial formula for level payments at a fixed rate and does not include fees, mortality or payout terms of insurance products.
Is the annuity calculator free?
Yes. It is free to use with no signup, no watermark and no usage limits.
Is my data private?
Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.
Does it work on mobile?
Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.
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