Annuity future value table

Published August 16, 2026

An annuity future value factor is what 1 unit paid at the end of each of n periods grows to by the end. At 8 percent for 5 periods it is 5.8666, so 1,000 a year for 5 years reaches 5,866.60.

The formula

FVIFA = \frac{(1 + r)^{n} - 1}{r}

Multiply a level payment by the factor to get what the stream is worth at the end.

Future value of an annuity of 1, periods down the side and interest rates across the top.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000
2	2.0100	2.0200	2.0300	2.0400	2.0500	2.0600	2.0700	2.0800	2.0900	2.1000	2.1100	2.1200	2.1300	2.1400	2.1500	2.1600	2.1800	2.2000
3	3.0301	3.0604	3.0909	3.1216	3.1525	3.1836	3.2149	3.2464	3.2781	3.3100	3.3421	3.3744	3.4069	3.4396	3.4725	3.5056	3.5724	3.6400
4	4.0604	4.1216	4.1836	4.2465	4.3101	4.3746	4.4399	4.5061	4.5731	4.6410	4.7097	4.7793	4.8498	4.9211	4.9934	5.0665	5.2154	5.3680
5	5.1010	5.2040	5.3091	5.4163	5.5256	5.6371	5.7507	5.8666	5.9847	6.1051	6.2278	6.3528	6.4803	6.6101	6.7424	6.8771	7.1542	7.4416
6	6.1520	6.3081	6.4684	6.6330	6.8019	6.9753	7.1533	7.3359	7.5233	7.7156	7.9129	8.1152	8.3227	8.5355	8.7537	8.9775	9.4420	9.9299
7	7.2135	7.4343	7.6625	7.8983	8.1420	8.3938	8.6540	8.9228	9.2004	9.4872	9.7833	10.0890	10.4047	10.7305	11.0668	11.4139	12.1415	12.9159
8	8.2857	8.5830	8.8923	9.2142	9.5491	9.8975	10.2598	10.6366	11.0285	11.4359	11.8594	12.2997	12.7573	13.2328	13.7268	14.2401	15.3270	16.4991
9	9.3685	9.7546	10.1591	10.5828	11.0266	11.4913	11.9780	12.4876	13.0210	13.5795	14.1640	14.7757	15.4157	16.0853	16.7858	17.5185	19.0859	20.7989
10	10.4622	10.9497	11.4639	12.0061	12.5779	13.1808	13.8164	14.4866	15.1929	15.9374	16.7220	17.5487	18.4197	19.3373	20.3037	21.3215	23.5213	25.9587
11	11.5668	12.1687	12.8078	13.4864	14.2068	14.9716	15.7836	16.6455	17.5603	18.5312	19.5614	20.6546	21.8143	23.0445	24.3493	25.7329	28.7551	32.1504
12	12.6825	13.4121	14.1920	15.0258	15.9171	16.8699	17.8885	18.9771	20.1407	21.3843	22.7132	24.1331	25.6502	27.2707	29.0017	30.8502	34.9311	39.5805
13	13.8093	14.6803	15.6178	16.6268	17.7130	18.8821	20.1406	21.4953	22.9534	24.5227	26.2116	28.0291	29.9847	32.0887	34.3519	36.7862	42.2187	48.4966
14	14.9474	15.9739	17.0863	18.2919	19.5986	21.0151	22.5505	24.2149	26.0192	27.9750	30.0949	32.3926	34.8827	37.5811	40.5047	43.6720	50.8180	59.1959
15	16.0969	17.2934	18.5989	20.0236	21.5786	23.2760	25.1290	27.1521	29.3609	31.7725	34.4054	37.2797	40.4175	43.8424	47.5804	51.6595	60.9653	72.0351
16	17.2579	18.6393	20.1569	21.8245	23.6575	25.6725	27.8881	30.3243	33.0034	35.9497	39.1899	42.7533	46.6717	50.9804	55.7175	60.9250	72.9390	87.4421
17	18.4304	20.0121	21.7616	23.6975	25.8404	28.2129	30.8402	33.7502	36.9737	40.5447	44.5008	48.8837	53.7391	59.1176	65.0751	71.6730	87.0680	105.9306
18	19.6147	21.4123	23.4144	25.6454	28.1324	30.9057	33.9990	37.4502	41.3013	45.5992	50.3959	55.7497	61.7251	68.3941	75.8364	84.1407	103.7403	128.1167
19	20.8109	22.8406	25.1169	27.6712	30.5390	33.7600	37.3790	41.4463	46.0185	51.1591	56.9395	63.4397	70.7494	78.9692	88.2118	98.6032	123.4135	154.7400
20	22.0190	24.2974	26.8704	29.7781	33.0660	36.7856	40.9955	45.7620	51.1601	57.2750	64.2028	72.0524	80.9468	91.0249	102.4436	115.3797	146.6280	186.6880
21	23.2392	25.7833	28.6765	31.9692	35.7193	39.9927	44.8652	50.4229	56.7645	64.0025	72.2651	81.6987	92.4699	104.7684	118.8101	134.8405	174.0210	225.0256
22	24.4716	27.2990	30.5368	34.2480	38.5052	43.3923	49.0057	55.4568	62.8733	71.4027	81.2143	92.5026	105.4910	120.4360	137.6316	157.4150	206.3448	271.0307
23	25.7163	28.8450	32.4529	36.6179	41.4305	46.9958	53.4361	60.8933	69.5319	79.5430	91.1479	104.6029	120.2048	138.2970	159.2764	183.6014	244.4868	326.2369
24	26.9735	30.4219	34.4265	39.0826	44.5020	50.8156	58.1767	66.7648	76.7898	88.4973	102.1742	118.1552	136.8315	158.6586	184.1678	213.9776	289.4945	392.4842
25	28.2432	32.0303	36.4593	41.6459	47.7271	54.8645	63.2490	73.1059	84.7009	98.3471	114.4133	133.3339	155.6196	181.8708	212.7930	249.2140	342.6035	471.9811
26	29.5256	33.6709	38.5530	44.3117	51.1135	59.1564	68.6765	79.9544	93.3240	109.1818	127.9988	150.3339	176.8501	208.3327	245.7120	290.0883	405.2721	567.3773
27	30.8209	35.3443	40.7096	47.0842	54.6691	63.7058	74.4838	87.3508	102.7231	121.0999	143.0786	169.3740	200.8406	238.4993	283.5688	337.5024	479.2211	681.8528
28	32.1291	37.0512	42.9309	49.9676	58.4026	68.5281	80.6977	95.3388	112.9682	134.2099	159.8173	190.6989	227.9499	272.8892	327.1041	392.5028	566.4809	819.2233
29	33.4504	38.7922	45.2189	52.9663	62.3227	73.6398	87.3465	103.9659	124.1354	148.6309	178.3972	214.5828	258.5834	312.0937	377.1697	456.3032	669.4475	984.0680
30	34.7849	40.5681	47.5754	56.0849	66.4388	79.0582	94.4608	113.2832	136.3075	164.4940	199.0209	241.3327	293.1992	356.7868	434.7451	530.3117	790.9480	1181.8816
35	41.6603	49.9945	60.4621	73.6522	90.3203	111.4348	138.2369	172.3168	215.7108	271.0244	341.5896	431.6635	546.6808	693.5727	881.1702	1120.7130	1816.6516	2948.3411
40	48.8864	60.4020	75.4013	95.0255	120.7998	154.7620	199.6351	259.0565	337.8824	442.5926	581.8261	767.0914	1013.7042	1342.0251	1779.0903	2360.7572	4163.2130	7343.8578
45	56.4811	71.8927	92.7199	121.0294	159.7002	212.7435	285.7493	386.5056	525.8587	718.9048	986.6386	1358.2300	1874.1646	2590.5648	3585.1285	4965.2739	9531.5771	18281.3099
50	64.4632	84.5794	112.7969	152.6671	209.3480	290.3359	406.5289	573.7702	815.0836	1163.9085	1668.7712	2400.0182	3459.5071	4994.5213	7217.7163	10435.6488	21813.0937	45497.1908

Worked example

What does 1,000 a year for 5 years grow to at 8 percent?

Read down the 8 percent column to row 5, giving 5.8666.
Multiply: 1000 x 5.8666.

5,866.60 at the end of year 5.

How these figures were checked

Every factor on this page is recomputed before the site can build, by a separate program that works a different way: repeated multiplication instead of a power function, a period-by-period sum instead of a closed-form annuity factor, and a solved loan schedule instead of a payment formula. If the two methods disagree anywhere, the page does not ship. Printed factor tables carry typos because nobody can check three thousand numbers by hand; this one is checked on every build.

Keep reading

This page is educational material, not financial advice. The figures come from the formula shown and assume the inputs you enter hold for the whole term. Your own rate, fees, taxes and timing will differ, so treat the output as arithmetic to check a decision against, not as a recommendation.