# Annuity Calculator

> Annuity calculator: compute annuity payments, future value, or present value from rate, term, and payment frequency. Free, editable rates, no signup needed.

- **Canonical URL:** https://boringtoolskit.com/annuity-calculator/
- **Category:** Everyday Calculators
- **Evidence level:** authored-methodology
- **Reviewed:** August 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

FV = payment x (((1 + r)^n - 1) / r) x (1 + r) for payments due at the start of each period, r the periodic rate, n the number of periods.

## Worked example

$500 a month for 20 years at 6%: about $231,020 of accumulated value.

## Sources

- [Calculation methodology and verification standard](/methodology/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*