Annuity Calculator
Calculate the future value of regular deposits, or the payout from a lump sum.
Assumptions used in this calculation
- Ordinary annuity: Assumes payments/deposits occur at the end of each period.
About this calculator
Regular saving and regular withdrawal are mirror-image problems that both hinge on the same ordinary-annuity math, but they pull in opposite directions: one builds a future balance from a stream of deposits, the other spends down an existing balance in a stream of payments, and getting the compounding direction wrong in either case throws the answer off significantly. This calculator covers both: in accumulation mode, it takes a regular deposit amount and rate and computes the future value the deposits grow to; in payout mode, it takes a lump sum and rate and computes the fixed periodic payment that can be withdrawn over a set number of periods without running out early. Rather than manually applying the ordinary-annuity formula and getting the exponents or the numerator/denominator the wrong way round, this calculator gives an instant answer for planning a retirement fund's growth, sizing regular contributions toward a savings goal, or figuring out how much a lump sum can safely pay out each period.
Worked example
₹10,000/year at 8% for 10 years
Result: Future value ≈ ₹1,44,866
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