Annuity Calculator: Future Value & Payout Planning

Calculate the future value (FV) of an annuity (accumulation) or the periodic payment (payout) from a lump sum. Plan for retirement with our comprehensive tool.

Full original guide (expanded)

Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

\[FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r}\]

FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r}

Formula (extracted LaTeX)

\[FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r} \cdot (1 + r)\]

FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r} \cdot (1 + r)

Formula (extracted LaTeX)

\[PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}}\]

PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}}

Formula (extracted LaTeX)

\[PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}} \cdot \frac{1}{1+r}\]

PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}} \cdot \frac{1}{1+r}

Formula (extracted LaTeX)

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Formula (extracted text)

$ FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r} $

Formula (extracted text)

$ FV = PV \cdot (1 + r)^n + PMT \cdot \frac{(1 + r)^n - 1}{r} \cdot (1 + r) $

Formula (extracted text)

$ PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}} $

Formula (extracted text)

$ PMT = PV \cdot \frac{r}{1 - (1 + r)^{-n}} \cdot \frac{1}{1+r} $

Variables and units

T = property tax (annual or monthly depending on input) (currency)

Sources (authoritative):

Home — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/
Finance — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/finance
Investment — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/subcategories/finance-investment
Compound Interest Calculator — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/compound-interest-calculator
401(k) Retirement Calculator — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/401k
Present Value Calculator — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/present-value

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
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Formulas

(Formulas preserved from original page content, if present.)

Version 0.1.0-draft

Citations

Add authoritative sources relevant to this calculator (standards bodies, manuals, official docs).

Changelog

0.1.0-draft — 2026-01-19: Initial draft (review required).