Annuity Calculator

Calculate the future value of a series of regular monthly investments (an ordinary annuity) at a given rate of return.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your monthly investment, expected return, and duration to calculate the future value of your annuity.
₹
%
years

Your result

₹34,83,451.43

Future value

Total invested₹18,00,000
Total returns₹16,83,451.43

AI explanation

Formula

FV = P × [((1+i)^n − 1) / i] × (1+i), i = monthly rate, n = number of months (annuity-due)

Worked example

₹10,000/month, 8% return, 15 years

Worked example: ₹10,000/month, 8% return, 15 years
FieldValue
Monthly investment10000
Expected annual return8
Duration15
Future value3483451.43
Total invested1800000
Total returns1683451.43

Assumptions

  • Uses the annuity-due convention (payment at the start of each period).
  • Informational only.

Frequently asked questions

What is an annuity?

A series of equal payments made at regular intervals — this calculator computes the future value of contributing to one, such as a recurring investment or savings plan.

What's the difference between annuity-due and ordinary annuity?

Annuity-due assumes each payment is made at the start of the period (getting one extra period of compounding); ordinary annuity assumes payment at the end. This calculator uses the annuity-due convention, standard for Indian SIP-style calculators.

How is this different from the SIP Returns Calculator?

It's the same underlying formula — "annuity" and "SIP" both describe a series of regular contributions growing at compound interest.

Related calculators

Annuity Payout CalculatorSIP Returns Calculator

Sources

This calculator provides a general estimate only and does not constitute investment advice.

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