Annuity Calculator

During accumulation, you deposit premiums that grow tax-deferred until annuitization or withdrawal. Enter payment amount, frequency, rate, and term to...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

Related: Pension CalculatorSocial Security CalculatorRetirement Calculator401K Calculator

Introduction

During accumulation, you deposit premiums that grow tax-deferred until annuitization or withdrawal. Enter payment amount, frequency, rate, and term to project account value at the end of the accumulation period.

Accumulation Phase Annuities

During accumulation, you deposit premiums that grow tax-deferred until annuitization or withdrawal. Enter payment amount, frequency, rate, and term to project account value at the end of the accumulation period.

Fixed vs Variable Annuities

Fixed annuities credit a declared rate. Variable annuities invest in subaccounts with market risk. This calculator models fixed growth assumptions; variable outcomes depend on fund performance.

Fees and Surrender Charges

Annuities may carry mortality and expense fees, rider costs, and surrender charges for early withdrawals. Factor fees into your assumed net return.

Related Tools

Annuity Payout Calculator for distribution phase, Retirement Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Annuity Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

End balance compounds starting principal plus annual and monthly additions at the stated growth rate. Annuity due adds at period start; ordinary annuity adds at period end.

FAQ

Yes. CDCalculator.io provides the Annuity Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about retirement products.