finance ToolUpdated 2026-09-20
Annuity Calculator & Annuity Formula
An annuity is a sequence of equal payments made at regular intervals. Use this calculator to compute both the current lump-sum value (Present Value) and the long-term wealth accumulated (Future Value).
Frequently Asked Questions
What is the difference between an ordinary annuity and an annuity due?
Ordinary annuity payments occur at the end of each period (e.g. standard loans). Annuity due payments occur at the beginning of each period (e.g. lease rents), earning one additional period of interest.
Related Calculators
Loan Calculator
Estimate monthly amortized payments, interest charges, and loan repayment totals.
Mortgage Calculator
Estimate monthly mortgage payments, total interest, and amortization.
Auto Loan Calculator
Calculate car loan payments, interest charges, and total financing.
Personal Loan Calculator
Estimate monthly personal loan payments and total borrowing cost.