justyourcalculatorAnnuity Calculator
Project an annuity's value with a starting principal and regular additions.
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Annuity Calculator
The value of an annuity after its growth phase
Of each year or month.
Annuity value
$167,624.90
after 10 years
- Starting principal
- $20,000.00
- Total additions
- $100,000.00
- Growth
- $47,624.90
Growth of 6% a year compounded monthly at the equivalent monthly rate. Fees, surrender charges and taxes on withdrawal are not included.
- Starting amount$20,000
- Contributions$100,000
- Interest$47,625
- Starting amount
- Contributions
- Interest
| Year | Deposits | Interest | Ending balance |
|---|---|---|---|
| 1 | $10,000.00 | $1,200.00 | $31,200.00 |
| 2 | $10,000.00 | $1,872.00 | $43,072.00 |
| 3 | $10,000.00 | $2,584.32 | $55,656.32 |
| 4 | $10,000.00 | $3,339.38 | $68,995.70 |
| 5 | $10,000.00 | $4,139.74 | $83,135.44 |
| 6 | $10,000.00 | $4,988.13 | $98,123.57 |
| 7 | $10,000.00 | $5,887.41 | $114,010.98 |
| 8 | $10,000.00 | $6,840.66 | $130,851.64 |
| 9 | $10,000.00 | $7,851.10 | $148,702.74 |
| 10 | $10,000.00 | $8,922.16 | $167,624.90 |
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How the annuity calculator works
During the accumulation phase an annuity works like a tax-deferred savings account: the principal and every addition grow at the annuity's rate. This calculator adds your yearly and monthly contributions and compounds the balance monthly at the rate equivalent to your annual growth rate.
Additions at the beginning of each period (an annuity due) earn one extra period of growth compared with additions at the end (an ordinary annuity).
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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