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An annuity, as used here, is a series of regular, periodic payments to or withdrawals from an investment account. Wikipedia lists these examples of annuities "regular deposits to a savings account, monthly home mortgage payments, monthly insurance payments, and pension payments." We can classify annuities by the frequency of the cash flow dates. The investor may make deposits (withdrawals, payments) weekly, monthly, quarterly, yearly, or at any other regular interval of time. This calculator supports eleven frequencies.

The future value of an annuity is the amount the cash flow will be worth as of a future date. Due to the investment gain or interest earned on the principal (the amount deposited), the final value is greater than the sum of the deposits.

This future value of an annuity (FVA) calculator calculates what the value will be as of any future date. The calculator optionally allows for an initial amount that is not equal to the periodic deposit. This feature enables the user to calculate the FVA for an existing investment.

If the investment is a new investment set the "Starting Amount (PV)" to 0.

This FVA calculator also calculates the future value after a series of withdrawals. If you start with $1,000,000 and assume it earns 4.0% per year, the calculator will calculate the value after 30 years of $5,000 monthly withdrawals. To indicate a withdrawal, enter a negative amount.

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No/Yr Date Investment Interest Net Change Balance/FV
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4 Comments on “Future Value Of An Annuity Calculator”

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  • W S Beckwith says:

    Very nice tool. Just wish you had the capability to show negative values in your Balance/FV column. Thanks!

    • Thanks for the compliment.

      Here’s another calculator – the Ultimate Financial Calculator that will probably do what you want (I say probably because I’m not sure what you need besides the negative balance.

      If you try it, scroll down the page and you’ll there’s a number of tutorials.

      Assuming you have some amount call it "X", and you want to make withdrawals, set the Schedule Type to "savings". Create two rows, the first row as a deposit with value "X" and the second row with value "Y" for the number of withdrawals you expect. If Rounding (under settings) is set to "Open Balance", the balance will go negative.

      Let me know if there are other details, and I’m sure we can work through them.

Comments, suggestions & questions welcomed...

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