Model an annuity-immediate or annuity-due with editable payment and compounding frequency.
Calculate with the Annuity Calculator
Enter the details below. Required values are validated before results are shown.
Annuity Calculator results
How to use the Annuity Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A 500 month-end payment for 20 years can be projected or discounted at the entered annual rate.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Frequently asked questions
What is the difference between an annuity-immediate and an annuity-due?
Zero-rate cases use payment × number of periods. Required term is solved logarithmically when the entered values permit it. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the Annuity Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the Annuity Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.