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Annuity Calculator (2026)

Calculate the present or future value of an annuity stream — useful for retirement planning, lottery decisions, and structured settlements.

Annuity details

Future value

$205,517

In 20 years

Total contributed

$120,000

240 payments of $500

Interest earned

$85,517

5% annual return

Balance over time

Analysis & insights

Your future value is $205,517, based on the inputs above. Loan and credit decisions compound over years. Small rate or term changes have outsized lifetime impact.

Calculation summary

Result derived from 5 inputs. Adjust any one to test sensitivity.

Risk & benchmark gauge

Current band

Low

Future Value: $205,517

0255075100
LowModerateStrongMaximum

Industry benchmarks

  • Future Value$205,517
  • Present Value$75,763
  • Total Contributed$120,000
  • Interest Earned$85,517

Key insights

Time + rate compound

In long-horizon money math, small changes in rate or time produce outsized changes in the final number. Try ±1% on the rate to see sensitivity.

Sensitivity testing

Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.

Recommended actions(4)

Test the realistic range of each input

High priority

Try the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.

Impact: Reveals which inputs matter most and where uncertainty hides.

Compare against published benchmarks

Medium priority

Whatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.

Save or download a copy

Medium priority

For calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.

Start Saving for Retirement

FidelityOpen a free IRA or 401k rollover accountOpen IRA at Fidelity VanguardLow-cost index funds & retirement planningStart with Vanguard BettermentAutomated retirement investing (robo-advisor)Try Betterment

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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.