Annuity Calc

Use the free Annuity Calc on AixKit to get instant, accurate results in your browser. No sign-up or installation required.

Annuity Calculator

Payment Per Period ($)

Annual Interest Rate (%)

Number of Periods

Payment Frequency

Annuity Type

Calculate

Please enter valid payment, rate, and number of periods.

Annuity Results

How to Use the Annuity Calculator

Select your country, filing status, and applicable tax year if required.

Enter your gross income and any relevant deductions or allowances.

Add investment income, capital gains, or additional streams if applicable.

Click Calculate to see your estimated tax and net result.

Annuity Calculator – Future Value & Present Value

An annuity is a series of equal payments made at regular intervals. This calculator helps you find either the future value (how much your payments will grow to) or the present value (what a stream of future payments is worth today).

Types of Annuities

Ordinary Annuity: Payments made at the end of each period (most common — mortgages, bonds).

Annuity Due: Payments made at the beginning of each period (e.g., rent, insurance premiums). Slightly higher value due to earlier compounding.

Key Formulas

Future Value (Ordinary): FV = PMT × ((1+r)^n − 1) / r

Present Value (Ordinary): PV = PMT × (1 − (1+r)^−n) / r

Where PMT = payment, r = rate per period, n = number of periods.

Common Uses

Retirement income planning

Evaluating lump sum vs. payment stream options

Pension and insurance calculations

Savings projections with regular contributions

Frequently Asked Questions

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