Annuity Calculator
Ordinary & Due Annuity Calculator
Annuity Type
Ordinary (End of Period) Due (Beginning of Period)
Compounding Period
Yearly Half-Yearly Quarterly Monthly Calculate
Future Value Present Value Both Values
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Annuity Calculation Result
Annuity Formulas
FV Ordinary = P × ((1+r)^n - 1)/r
FV Due = P × ((1+r)^n - 1)/r × (1+r)
PV Ordinary = P × (1 - (1+r)^-n)/r
PV Due = P × (1 - (1+r)^-n)/r × (1+r)
Annuities are used in retirement planning, loan amortization, and regular investment plans.
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Annuity calculations assume regular, fixed payments. Actual results may vary based on fees and market conditions.
Ordinary vs Annuity Due
Key differences between the two annuity types:
Ordinary Annuity
Payments at end of period. Most common for loans, bonds, and regular savings.
Annuity Due
Payments at beginning of period. Used for rent, leases, and some investments.
Value Difference
Due annuity values are (1+r) times ordinary annuity values.
Interest Advantage
Due annuities earn more interest as payments are made earlier.
Example: $1,000 monthly payment at 6% for 12 months. Ordinary FV = $12,335.56. Due FV = $12,407.50. Difference = $71.94.
Applications
Retirement Planning
Loan Amortization
Investment Plans
Insurance
Real Estate
Frequently Asked Questions
What is an annuity?▼
An annuity is a series of equal payments made at equal intervals of time, such as monthly or annually.
Ordinary vs due annuity?▼
Ordinary annuity: payments at end of period. Annuity due: payments at beginning of period.
How is annuity calculated?▼
FV = P × ((1+r)^n - 1)/r for ordinary. FV due = FV ordinary × (1+r).
Common uses of annuities?▼
Retirement income, loan payments, structured settlements, and regular savings plans.
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