Annuity Growth Calculator
Calculate the future value of an annuity during accumulation phase with regular contributions and compound interest
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Annuity Growth Calculator
Project how your annuity contributions grow over time with compound interest
This calculator helps you project the future value of an annuity during the accumulation phase. See how regular contributions and compound interest can grow your retirement savings over time.
📈 Compound Growth
Watch your money grow exponentially through the power of compound interest and regular contributions.
⏰ Time Advantage
The earlier you start contributing, the more dramatic your growth becomes over time.
🎯 Goal Planning
Plan for retirement, education, or any long-term financial goal with realistic growth projections.
Investment Inputs
Future Value after 20 years
Breakdown:
Growth Projection
Year-by-Year Breakdown
| Year | Balance | Contributions | Earnings |
|---|---|---|---|
| 1 | $16,815 | $6,000 | $815 |
| 3 | $31,733 | $6,000 | $1,682 |
| 5 | $48,548 | $6,000 | $2,659 |
| 7 | $67,501 | $6,000 | $3,760 |
| 9 | $88,864 | $6,000 | $5,001 |
| 11 | $112,943 | $6,000 | $6,400 |
| 13 | $140,085 | $6,000 | $7,977 |
| 15 | $170,677 | $6,000 | $9,754 |
| 17 | $205,160 | $6,000 | $11,757 |
| 19 | $244,028 | $6,000 | $14,015 |
| 20 | $265,278 | $6,000 | $15,250 |
About Annuity Growth
An annuity growth calculator helps you project how regular contributions grow over time with compound interest during the accumulation phase. This is useful for planning retirement savings, education funds, or any long-term investment goal.
The power of compound interest means your money grows exponentially over time. The earlier you start and the more consistently you contribute, the more dramatic the growth becomes.
Key Financial Terms
Understand the essential concepts behind this calculator
Compound Interest
Interest calculated on both principal and accumulated interest, creating exponential growth over time.
Future Value (FV)
The projected value of an investment or sum of money at a specific point in the future, accounting for compound growth.
Present Value
The current worth of a future sum of money, calculated by discounting future cash flows at an appropriate interest rate.
ROI (Return on Investment)
A metric that measures the profitability of an investment by comparing the gain or loss to its cost, expressed as a percentage.
Frequently Asked Questions
Common questions about the Annuity Growth Calculator
📊 Historical Market Data Sources
• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
→ Source: NYU Stern - Historical Returns on Stocks, Bonds and Bills
• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
→ Source: S&P Dow Jones Indices
• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
→ Source: NYU Stern - Corporate Finance Data
• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
→ Source: Bureau of Labor Statistics - Consumer Price Index
Important: Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.
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⚠️ Important Disclaimer
This Annuity Growth Calculator provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.