Annuity Calculator
Calculate the value of regular payments with our free Annuity Calculator. Find present value of annuities, future value, or calculate required payments for retirement planning.
Annuity Value Over Time
Payment Schedule
| Period | Payment | Interest | Cumulative Value |
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Types of Annuities
Most common type. Examples: mortgage payments, car loans, retirement withdrawals
Payments made at start. Examples: rent payments, insurance premiums, lease payments
Key Features
How to Use This Calculator
Understanding Annuities
An annuity is a series of equal payments made at regular intervals. Our Annuity Calculator helps you understand and calculate various annuity scenarios, essential for retirement planning, loan analysis, and investment decisions.
There are two types of annuities: ordinary annuity (payments at the end of each period) and annuity due (payments at the beginning). Annuity due is worth more because each payment has an extra period to earn interest.
The present value of an annuity tells you what a series of future payments is worth today. This is useful for evaluating pension buyouts, lottery winnings choices, and any decision involving regular future payments.
The future value of an annuity shows what regular payments will grow to over time. This is the calculation used in SIP projections - how much will monthly investments accumulate by a target date.
You can also reverse the calculation to find the payment needed to achieve a target. For retirement, this answers: "How much annual income can I get from a ₹50 lakh corpus for 20 years?"