Future Value of $1 Annuity Table
Each cell shows this periodic payment multiplied by the future value annuity factor [(1+r)^n - 1] / r for that rate and period. Use 1 to see the raw factors.
Future Value of $1 Annuity Table
The annuity version of the classic future value reference table, this tool generates the standard grid of annuity factors on demand, with your own periodic payment applied.
How to use this table
- Enter a Payment amount (use 1 to see the raw factors).
- Tap Generate Table.
- Read the resulting grid, each cell shows your periodic payment multiplied by the future value annuity factor for that specific rate and period combination.
What this table does
Each cell shows this periodic payment multiplied by the future value annuity factor [(1+r)^n − 1] / r for that rate and period. Use 1 to see the raw factors.
FV Annuity Factor = [(1 + r)^n − 1] / r
Cell Value = Payment × FV Annuity Factor
Cell Value = Payment × FV Annuity Factor
Why this table differs from the simple future value table
The plain future value of $1 table shows the growth of a single lump sum, while this annuity table accounts for a whole series of equal payments, each earning interest for a different number of remaining periods. The annuity factor formula sums up all of those individually-compounded payments into a single multiplier, which is why the formula looks more complex than the simple (1+r)^n used for a lump sum.
Frequently asked questions
How is the annuity factor different from the simple future value factor?
The simple future value factor, (1+r)^n, applies to a single lump sum. The annuity factor accounts for a whole series of equal periodic payments, each compounding for a different remaining number of periods, summed into one multiplier.
What does entering “1” as the payment show?
It shows the raw future value annuity factors for each rate and period, matching the traditional printed reference tables, before applying your own actual periodic payment amount.