Value a regular contribution stream with beginning- or end-of-period deposits and an existing balance.
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0 – 10000000000
0 – 10000000000
0 – 100
1 – 50
Future value of contributions
$936,464.03
This models saving through level contributions, not an insurance payout quote, withdrawal plan or guaranteed return.
Convert the annual effective return into an equivalent periodic rate.
Future value = starting balance × growth + payment × annuity factor.
Beginning-of-period payments receive one extra period of growth.
Convert the annual effective return to the payment-period rate. Future value = opening balance × (1+r)^n + payment × ((1+r)^n−1) ÷ r. Beginning-of-period deposits multiply the payment term by 1+r. At zero return the payment factor is n.
$100 initially plus $10 monthly for two years at 0% grows to $340. Changing payment timing has no effect when the return is zero.
No. It values a level stream of savings contributions. Insurance pricing, mortality assumptions, guarantees, surrender charges and withdrawal taxes are not included.
Last updated . Results are estimates for informational purposes only.