Annuity Calculator
Calculate annuity payments for a given present value, rate, and period.
Annuity Calculator
Calculate annuity payments for a given present value, rate, and period.
Compound Growth Formula
ℹ️ Assumes monthly compounding. Past returns do not guarantee future results.
Disclaimer
Results provided by this calculator are for informational and educational purposes only. They are based on the values you enter and standard formulas, and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making important decisions based on these results. Roughtools makes no warranties regarding the accuracy or completeness of these calculations for your specific situation.
Frequently Asked Questions
Pro Tips
Time in the market beats timing the market. Missing just the 10 best trading days over 20 years can cut your returns in half. Stay invested through downturns.
Tax-advantaged accounts (401k, Roth IRA) let your investments grow tax-free or tax-deferred — always max these before investing in taxable accounts.
The Rule of 72: divide 72 by your annual return to estimate years to double. At 7%, money doubles every ~10.3 years. At 10%, every 7.2 years.
Increase your contribution by just 1% of salary each year you get a raise. You won't notice the difference in take-home pay, but it compounds dramatically over decades.
When to Use This Calculator
See how even small monthly contributions grow dramatically over time with compound returns — motivation to start immediately.
Calculate how much to save monthly to reach a college fund target in 10–18 years at a realistic return rate.
Project your portfolio balance at retirement based on current savings rate and expected returns.
Compare the outcome of investing a windfall now versus spreading it as monthly contributions over time.
Compare outcomes at different return rates (5%, 7%, 9%) to understand the impact of investment choice on final balance.
About the Annuity Calculator
This annuity calculator determines the periodic payment you will receive (or must make) given a present value, interest rate, and number of periods. It solves for any variable: payment amount, lump sum needed, rate, or number of periods. Built for retirement income planning, pension analysis, structured settlements, and anyone evaluating annuity products.
How to Use the Annuity Calculator
- 1
Select what you want to calculate: payment, present value, or future value.
- 2
Enter the known variables (lump sum, payment, rate, or periods).
- 3
Select payment timing: ordinary annuity (end of period) or annuity due (beginning).
- 4
Enter the interest rate per period.
- 5
See the solved variable — payment amount, required lump sum, or total value.
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Investment Calculator
Project investment returns over time with regular contributions and compounding.
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