When to use this calculator
Estimate future value of equal beginning-of-month deposits. Contributions occur at the beginning of each monthly period, unlike an ordinary annuity.
Explore the savings & interest calculators for other questions in this topic. For a related calculation, use the Annuity Payout Calculator: Find an equal monthly withdrawal that exhausts a balance over a chosen term.
PUTTING IT INTO PRACTICE
Annuity Due Future Value: a worked example
The values below are an illustrative example, not a recommendation. Replace them with measurements or assumptions that match your question.
| Input | Example value |
|---|---|
| Beginning-of-month contribution | 100 |
| Nominal annual rate (%) | 0 |
| Deposits (integer) | 12 |
| Result | 1,200 currency units |
- Check the input labels and enter the example values above.
- Apply the relationship: Future value = payment × ((1+m)^n−1)/m × (1+m).
- The result is 1,200 currency units, rounded for display.
How to interpret your result
Contributions occur at the beginning of each monthly period, unlike an ordinary annuity.
Match the quoted rate to its compounding convention. A nominal rate, effective annual rate and continuous rate are not interchangeable. Contribution timing also matters when interest is included in a future-value model.
Frequently asked questions
Is a future savings value a forecast?
It is a scenario based on your entered rate and contributions. Changing rates, fees, tax or interrupted payments can change the actual outcome.
When is the annuity due future value calculator useful?
Estimate future value of equal beginning-of-month deposits. Contributions occur at the beginning of each monthly period, unlike an ordinary annuity.
How do I use the annuity due future value calculator?
Enter beginning-of-month contribution, nominal annual rate (%), deposits (integer). The result updates automatically. Use the units shown beside each input; the example values illustrate the method.
Which formula does this calculator use?
Future value = payment × ((1+m)^n−1)/m × (1+m).
What should I check before using the result?
Contributions occur at the beginning of each monthly period, unlike an ordinary annuity.
How are results rounded?
Scalar numbers display up to six decimal places, with scientific notation for very large or small values. Text, fraction, date and schedule outputs use the format described on the tool. Intermediate calculations use JavaScript floating-point arithmetic. Keep sensible precision for your measurements.
Further reading
For background on this topic, see OpenStax: compound interest ↗. This is a topic reference, not an external review or endorsement of this tool.
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