This is a worked example. Change the values, then press Calculate.
Retirement contributions, savings plans, and loan payments often follow an annuity structure, equal payments at regular intervals, this calculator projects what that series grows to by a target date.
An annuity is a series of equal payments made at regular intervals. This calculator projects the future value of that entire payment series, compounded at your chosen rate and frequency, showing both the total amount you’ll have contributed and how much of the final balance came purely from interest.
An “ordinary annuity” pays at the end of each period, while an “annuity due” pays at the start. The annuity due version produces a higher future value because each payment gets one additional compounding period to grow, this calculator’s timing toggle lets you model either convention depending on how your specific payment plan actually works.
An ordinary annuity pays at the end of each period, while an annuity due pays at the start, the annuity due produces a higher future value since each payment gets one extra period to compound.
This calculator separates Total Paid In (your actual contributions) from Total Interest Earned, so you can see exactly how much of the final future value is growth versus your own money.