Annuity Calculator

Calculate the future accumulation value of an annuity contract with periodic contributions and compound interest.

Calculator Inputs

$
Starting lump sum.
$
Regular additions.
%
Annual interest rate.
yrs
Years until annuitization.

Calculated Results

Future Accumulated Annuity Value
$184,887.89
Total Premium Contributions $110,000.00
Total Tax-Deferred Growth $74,887.89
Annual Guaranteed Yield 5.00%
Values calculate live as you adjust inputs.

About Annuity Calculator

Computes growth of deferred annuities during the accumulation phase with tax-deferred compounding interest.

What is Annuity Calculator?

Computes growth of deferred annuities during the accumulation phase with tax-deferred compounding interest.

How to Use This Calculator

  1. Enter initial premium deposit.
  2. Enter optional recurring monthly addition.
  3. Set annual yield and accumulation duration.
  4. Review future accumulated nest egg.

The Mathematical Formula & Variables

FV = Initial*(1+r/12)^(12t) + Monthly*[((1+r/12)^(12t) - 1)/(r/12)]

Step-by-Step Worked Example

Scenario: $50k initial + $500/mo at 5.0% for 10 years.

  1. Lump sum grows to $50,000 * 1.6470 = $82,350.
  2. Monthly additions accumulate to $77,641.
  3. Total future annuity = $159,991.

Result: $184,887.89

Frequently Asked Questions

What is the surrender charge on an annuity?

A fee charged by insurance companies if you withdraw funds from an annuity within the first 5 to 10 years of purchase.