Calculated estimate
Enter assumptions and select Calculate.
Ordinary and due formulas
Ordinary future-value factor is ((1 + r)n − 1) ÷ r; present-value factor is (1 − (1 + r)−n) ÷ r. An annuity due multiplies either factor by (1 + r). Payment modes divide the target value by the correct factor.
Rate convention and boundaries
The entered nominal annual rate is divided by payments per year, with compounding matching payment frequency. This is fixed-payment financial mathematics—not an insurance quote, lifetime-income estimate, tax analysis, or recommendation.
Worked example
Payments of 1,000 annually at a 5% nominal annual rate for 10 years produce an ordinary-annuity future value using ten end-of-year payments.
Calculation boundaries
Results use only your entered assumptions. No lender, credit, annuity-product, insurer, vehicle-price, dealer, property-value, rent-market, or geolocation API is contacted.