Search

# Future Value Interest Factor of Annuity (FVIFA) Table

Understanding the Future Value Interest Factor of an Annuity (FVIFA) is crucial when you’re looking at the long-term growth of regular investments. Let’s delve into what this concept entails.

Imagine you are setting aside a fixed amount regularly—monthly or annually—into an annuity. The future value of this annuity is the total sum you will accumulate over a specified period. This calculation is not just a straightforward addition of your deposits; it accounts for the compound interest each payment accrues over time.

To simplify calculating your annuity’s future value, you can use the FVIFA. This factor is a tool that incorporates both the interest rate and the number of payment periods into one number. With it, you can quickly determine the future value of your annuity by simply multiplying your regular payment amount by this factor.

The formula for the FVIFA is expressed as:

FVIFA = ((1 + r)^n – 1) / r

Here, ‘r’ represents the interest rate per period, and ‘n’ is the total number of payment periods you consider.

Here is the complete FVIFA Table:

## Table 1: Interest Rate r = 1%-5%, Number of Periods n = 1-25

 Number of Periods 1% 2% 3% 4% 5% 1 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.0100 2.0200 2.0300 2.0400 2.0500 3 3.0301 3.0604 3.0909 3.1216 3.1525 4 4.0604 4.1216 4.1836 4.2465 4.3101 5 5.1010 5.2040 5.3091 5.4163 5.5256 6 6.1520 6.3081 6.4684 6.6330 6.8019 7 7.2135 7.4343 7.6625 7.8983 8.1420 8 8.2857 8.5830 8.8923 9.2142 9.5491 9 9.3685 9.7546 10.1591 10.5828 11.0266 10 10.4622 10.9497 11.4639 12.0061 12.5779 11 11.5668 12.1687 12.8078 13.4864 14.2068 12 12.6825 13.4121 14.1920 15.0258 15.9171 13 13.8093 14.6803 15.6178 16.6268 17.7130 14 14.9474 15.9739 17.0863 18.2919 19.5986 15 16.0969 17.2934 18.5989 20.0236 21.5786 16 17.2579 18.6393 20.1569 21.8245 23.6575 17 18.4304 20.0121 21.7616 23.6975 25.8404 18 19.6147 21.4123 23.4144 25.6454 28.1324 19 20.8109 22.8406 25.1169 27.6712 30.5390 20 22.0190 24.2974 26.8704 29.7781 33.0660 21 23.2392 25.7833 28.6765 31.9692 35.7193 22 24.4716 27.2990 30.5368 34.2480 38.5052 23 25.7163 28.8450 32.4529 36.6179 41.4305 24 26.9735 30.4219 34.4265 39.0826 44.5020 25 28.2432 32.0303 36.4593 41.6459 47.7271

## Table 2: Interest Rate r = 1%-5%, Number of Periods n = 26-50

 Number of Periods 1% 2% 3% 4% 5% 26 29.5256 33.6709 38.5530 44.3117 51.1135 27 30.8209 35.3443 40.7096 47.0842 54.6691 28 32.1291 37.0512 42.9309 49.9676 58.4026 29 33.4504 38.7922 45.2189 52.9663 62.3227 30 34.7849 40.5681 47.5754 56.0849 66.4388 31 36.1327 42.3794 50.0027 59.3283 70.7608 32 37.4941 44.2270 52.5028 62.7015 75.2988 33 38.8690 46.1116 55.0778 66.2095 80.0638 34 40.2577 48.0338 57.7302 69.8579 85.0670 35 41.6603 49.9945 60.4621 73.6522 90.3203 36 43.0769 51.9944 63.2759 77.5983 95.8363 37 44.5076 54.0343 66.1742 81.7022 101.6281 38 45.9527 56.1149 69.1594 85.9703 107.7095 39 47.4123 58.2372 72.2342 90.4091 114.0950 40 48.8864 60.4020 75.4013 95.0255 120.7998 41 50.3752 62.6100 78.6633 99.8265 127.8398 42 51.8790 64.8622 82.0232 104.8196 135.2318 43 53.3978 67.1595 85.4839 110.0124 142.9933 44 54.9318 69.5027 89.0484 115.4129 151.1430 45 56.4811 71.8927 92.7199 121.0294 159.7002 46 58.0459 74.3306 96.5015 126.8706 168.6852 47 59.6263 76.8172 100.3965 132.9454 178.1194 48 61.2226 79.3535 104.4084 139.2632 188.0254 49 62.8348 81.9406 108.5406 145.8337 198.4267 50 64.4632 84.5794 112.7969 152.6671 209.3480

## Table 3: Interest Rate r = 6%-10%, Number of Periods n = 1-25

 Number of Periods 6% 7% 8% 9% 10% 1 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.0600 2.0700 2.0800 2.0900 2.1000 3 3.1836 3.2149 3.2464 3.2781 3.3100 4 4.3746 4.4399 4.5061 4.5731 4.6410 5 5.6371 5.7507 5.8666 5.9847 6.1051 6 6.9753 7.1533 7.3359 7.5233 7.7156 7 8.3938 8.6540 8.9228 9.2004 9.4872 8 9.8975 10.2598 10.6366 11.0285 11.4359 9 11.4913 11.9780 12.4876 13.0210 13.5795 10 13.1808 13.8164 14.4866 15.1929 15.9374 11 14.9716 15.7836 16.6455 17.5603 18.5312 12 16.8699 17.8885 18.9771 20.1407 21.3843 13 18.8821 20.1406 21.4953 22.9534 24.5227 14 21.0151 22.5505 24.2149 26.0192 27.9750 15 23.2760 25.1290 27.1521 29.3609 31.7725 16 25.6725 27.8881 30.3243 33.0034 35.9497 17 28.2129 30.8402 33.7502 36.9737 40.5447 18 30.9057 33.9990 37.4502 41.3013 45.5992 19 33.7600 37.3790 41.4463 46.0185 51.1591 20 36.7856 40.9955 45.7620 51.1601 57.2750 21 39.9927 44.8652 50.4229 56.7645 64.0025 22 43.3923 49.0057 55.4568 62.8733 71.4027 23 46.9958 53.4361 60.8933 69.5319 79.5430 24 50.8156 58.1767 66.7648 76.7898 88.4973 25 54.8645 63.2490 73.1059 84.7009 98.3471

## Table 4: Interest Rate r = 6%-10%, Number of Periods n = 26-50

 Number of Periods 6% 7% 8% 9% 10% 26 59.1564 68.6765 79.9544 93.3240 109.1818 27 63.7058 74.4838 87.3508 102.7231 121.0999 28 68.5281 80.6977 95.3388 112.9682 134.2099 29 73.6398 87.3465 103.9659 124.1354 148.6309 30 79.0582 94.4608 113.2832 136.3075 164.4940 31 84.8017 102.0730 123.3459 149.5752 181.9434 32 90.8898 110.2182 134.2135 164.0370 201.1378 33 97.3432 118.9334 145.9506 179.8003 222.2515 34 104.1838 128.2588 158.6267 196.9823 245.4767 35 111.4348 138.2369 172.3168 215.7108 271.0244 36 119.1209 148.9135 187.1021 236.1247 299.1268 37 127.2681 160.3374 203.0703 258.3759 330.0395 38 135.9042 172.5610 220.3159 282.6298 364.0434 39 145.0585 185.6403 238.9412 309.0665 401.4478 40 154.7620 199.6351 259.0565 337.8824 442.5926 41 165.0477 214.6096 280.7810 369.2919 487.8518 42 175.9505 230.6322 304.2435 403.5281 537.6370 43 187.5076 247.7765 329.5830 440.8457 592.4007 44 199.7580 266.1209 356.9496 481.5218 652.6408 45 212.7435 285.7493 386.5056 525.8587 718.9048 46 226.5081 306.7518 418.4261 574.1860 791.7953 47 241.0986 329.2244 452.9002 626.8628 871.9749 48 256.5645 353.2701 490.1322 684.2804 960.1723 49 272.9584 378.9990 530.3427 746.8656 1057.1896 50 290.3359 406.5289 573.7702 815.0836 1163.9085

## Table 5: Interest Rate r = 11%-15%, Number of Periods n = 1-25

 Number of Periods 11% 12% 13% 14% 15% 1 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.1100 2.1200 2.1300 2.1400 2.1500 3 3.3421 3.3744 3.4069 3.4396 3.4725 4 4.7097 4.7793 4.8498 4.9211 4.9934 5 6.2278 6.3528 6.4803 6.6101 6.7424 6 7.9129 8.1152 8.3227 8.5355 8.7537 7 9.7833 10.0890 10.4047 10.7305 11.0668 8 11.8594 12.2997 12.7573 13.2328 13.7268 9 14.1640 14.7757 15.4157 16.0853 16.7858 10 16.7220 17.5487 18.4197 19.3373 20.3037 11 19.5614 20.6546 21.8143 23.0445 24.3493 12 22.7132 24.1331 25.6502 27.2707 29.0017 13 26.2116 28.0291 29.9847 32.0887 34.3519 14 30.0949 32.3926 34.8827 37.5811 40.5047 15 34.4054 37.2797 40.4175 43.8424 47.5804 16 39.1899 42.7533 46.6717 50.9804 55.7175 17 44.5008 48.8837 53.7391 59.1176 65.0751 18 50.3959 55.7497 61.7251 68.3941 75.8364 19 56.9395 63.4397 70.7494 78.9692 88.2118 20 64.2028 72.0524 80.9468 91.0249 102.4436 21 72.2651 81.6987 92.4699 104.7684 118.8101 22 81.2143 92.5026 105.4910 120.4360 137.6316 23 91.1479 104.6029 120.2048 138.2970 159.2764 24 102.1742 118.1552 136.8315 158.6586 184.1678 25 114.4133 133.3339 155.6196 181.8708 212.7930

## Table 6: Interest Rate r = 11%-15%, Number of Periods n = 26-50

 Number of Periods 11% 12% 13% 14% 15% 26 127.9988 150.3339 176.8501 208.3327 245.7120 27 143.0786 169.3740 200.8406 238.4993 283.5688 28 159.8173 190.6989 227.9499 272.8892 327.1041 29 178.3972 214.5828 258.5834 312.0937 377.1697 30 199.0209 241.3327 293.1992 356.7868 434.7451 31 221.9132 271.2926 332.3151 407.7370 500.9569 32 247.3236 304.8477 376.5161 465.8202 577.1005 33 275.5292 342.4294 426.4632 532.0350 664.6655 34 306.8374 384.5210 482.9034 607.5199 765.3654 35 341.5896 431.6635 546.6808 693.5727 881.1702 36 380.1644 484.4631 618.7493 791.6729 1014.3457 37 422.9825 543.5987 700.1867 903.5071 1167.4975 38 470.5106 609.8305 792.2110 1030.9981 1343.6222 39 523.2667 684.0102 896.1984 1176.3378 1546.1655 40 581.8261 767.0914 1013.7042 1342.0251 1779.0903 41 646.8269 860.1424 1146.4858 1530.9086 2046.9539 42 718.9779 964.3595 1296.5289 1746.2358 2354.9969 43 799.0655 1081.0826 1466.0777 1991.7088 2709.2465 44 887.9627 1211.8125 1657.6678 2271.5481 3116.6334 45 986.6386 1358.2300 1874.1646 2590.5648 3585.1285 46 1096.1688 1522.2176 2118.8060 2954.2439 4123.8977 47 1217.7474 1705.8838 2395.2508 3368.8380 4743.4824 48 1352.6996 1911.5898 2707.6334 3841.4753 5456.0047 49 1502.4965 2141.9806 3060.6258 4380.2819 6275.4055 50 1668.7712 2400.0182 3459.5071 4994.5213 7217.7163

## Table 7: Interest Rate r = 16%-20%, Number of Periods n = 1-25

 Number of Periods 16% 17% 18% 19% 20% 1 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.1600 2.1700 2.1800 2.1900 2.2000 3 3.5056 3.5389 3.5724 3.6061 3.6400 4 5.0665 5.1405 5.2154 5.2913 5.3680 5 6.8771 7.0144 7.1542 7.2966 7.4416 6 8.9775 9.2068 9.4420 9.6830 9.9299 7 11.4139 11.7720 12.1415 12.5227 12.9159 8 14.2401 14.7733 15.3270 15.9020 16.4991 9 17.5185 18.2847 19.0859 19.9234 20.7989 10 21.3215 22.3931 23.5213 24.7089 25.9587 11 25.7329 27.1999 28.7551 30.4035 32.1504 12 30.8502 32.8239 34.9311 37.1802 39.5805 13 36.7862 39.4040 42.2187 45.2445 48.4966 14 43.6720 47.1027 50.8180 54.8409 59.1959 15 51.6595 56.1101 60.9653 66.2607 72.0351 16 60.9250 66.6488 72.9390 79.8502 87.4421 17 71.6730 78.9792 87.0680 96.0218 105.9306 18 84.1407 93.4056 103.7403 115.2659 128.1167 19 98.6032 110.2846 123.4135 138.1664 154.7400 20 115.3797 130.0329 146.6280 165.4180 186.6880 21 134.8405 153.1385 174.0210 197.8474 225.0256 22 157.4150 180.1721 206.3448 236.4385 271.0307 23 183.6014 211.8013 244.4868 282.3618 326.2369 24 213.9776 248.8076 289.4945 337.0105 392.4842 25 249.2140 292.1049 342.6035 402.0425 471.9811

## Table 8: Interest Rate r = 16%-20%, Number of Periods n = 26-50

 Number of Periods 16% 17% 18% 19% 20% 26 290.0883 342.7627 405.2721 479.4306 567.3773 27 337.5024 402.0323 479.2211 571.5224 681.8528 28 392.5028 471.3778 566.4809 681.1116 819.2233 29 456.3032 552.5121 669.4475 811.5228 984.0680 30 530.3117 647.4391 790.9480 966.7122 1181.8816 31 616.1616 758.5038 934.3186 1151.3875 1419.2579 32 715.7475 888.4494 1103.4960 1371.1511 1704.1095 33 831.2671 1040.4858 1303.1253 1632.6698 2045.9314 34 965.2698 1218.3684 1538.6878 1943.8771 2456.1176 35 1120.7130 1426.4910 1816.6516 2314.2137 2948.3411 36 1301.0270 1669.9945 2144.6489 2754.9143 3539.0094 37 1510.1914 1954.8936 2531.6857 3279.3481 4247.8112 38 1752.8220 2288.2255 2988.3891 3903.4242 5098.3735 39 2034.2735 2678.2238 3527.2992 4646.0748 6119.0482 40 2360.7572 3134.5218 4163.2130 5529.8290 7343.8578 41 2739.4784 3668.3906 4913.5914 6581.4965 8813.6294 42 3178.7949 4293.0169 5799.0378 7832.9808 10577.3553 43 3688.4021 5023.8298 6843.8646 9322.2472 12693.8263 44 4279.5465 5878.8809 8076.7603 11094.4741 15233.5916 45 4965.2739 6879.2907 9531.5771 13203.4242 18281.3099 46 5760.7177 8049.7701 11248.2610 15713.0748 21938.5719 47 6683.4326 9419.2310 13273.9480 18699.5590 26327.2863 48 7753.7818 11021.5002 15664.2586 22253.4753 31593.7436 49 8995.3869 12896.1553 18484.8251 26482.6356 37913.4923 50 10435.6488 15089.5017 21813.0937 31515.3363 45497.1908

## Table 9: Interest Rate r = 21%-25%, Number of Periods n = 1-25

 Number of Periods 21% 22% 23% 24% 25% 1 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.2100 2.2200 2.2300 2.2400 2.2500 3 3.6741 3.7084 3.7429 3.7776 3.8125 4 5.4457 5.5242 5.6038 5.6842 5.7656 5 7.5892 7.7396 7.8926 8.0484 8.2070 6 10.1830 10.4423 10.7079 10.9801 11.2588 7 13.3214 13.7396 14.1708 14.6153 15.0735 8 17.1189 17.7623 18.4300 19.1229 19.8419 9 21.7139 22.6700 23.6690 24.7125 25.8023 10 27.2738 28.6574 30.1128 31.6434 33.2529 11 34.0013 35.9620 38.0388 40.2379 42.5661 12 42.1416 44.8737 47.7877 50.8950 54.2077 13 51.9913 55.7459 59.7788 64.1097 68.7596 14 63.9095 69.0100 74.5280 80.4961 86.9495 15 78.3305 85.1922 92.6694 100.8151 109.6868 16 95.7799 104.9345 114.9834 126.0108 138.1085 17 116.8937 129.0201 142.4295 157.2534 173.6357 18 142.4413 158.4045 176.1883 195.9942 218.0446 19 173.3540 194.2535 217.7116 244.0328 273.5558 20 210.7584 237.9893 268.7853 303.6006 342.9447 21 256.0176 291.3469 331.6059 377.4648 429.6809 22 310.7813 356.4432 408.8753 469.0563 538.1011 23 377.0454 435.8607 503.9166 582.6298 673.6264 24 457.2249 532.7501 620.8174 723.4610 843.0329 25 554.2422 650.9551 764.6054 898.0916 1054.7912

## Table 10: Interest Rate r = 21%-25%, Number of Periods n = 26-50

 Number of Periods 21% 22% 23% 24% 25% 26 671.6330 795.1653 941.4647 1114.6336 1319.4890 27 813.6759 971.1016 1159.0016 1383.1457 1650.3612 28 985.5479 1185.7440 1426.5719 1716.1007 2063.9515 29 1193.5129 1447.6077 1755.6835 2128.9648 2580.9394 30 1445.1507 1767.0813 2160.4907 2640.9164 3227.1743 31 1749.6323 2156.8392 2658.4036 3275.7363 4034.9678 32 2118.0551 2632.3439 3270.8364 4062.9130 5044.7098 33 2563.8467 3212.4595 4024.1287 5039.0122 6306.8872 34 3103.2545 3920.2006 4950.6783 6249.3751 7884.6091 35 3755.9379 4783.6447 6090.3344 7750.2251 9856.7613 36 4545.6848 5837.0466 7492.1113 9611.2791 12321.9516 37 5501.2787 7122.1968 9216.2969 11918.9861 15403.4396 38 6657.5472 8690.0801 11337.0451 14780.5428 19255.2994 39 8056.6321 10602.8978 13945.5655 18328.8731 24070.1243 40 9749.5248 12936.5353 17154.0456 22728.8026 30088.6554 41 11797.9250 15783.5730 21100.4761 28184.7152 37611.8192 42 14276.4893 19256.9591 25954.5856 34950.0469 47015.7740 43 17275.5521 23494.4901 31925.1403 43339.0581 58770.7175 44 20904.4180 28664.2779 39268.9225 53741.4321 73464.3969 45 25295.3458 34971.4191 48301.7747 66640.3758 91831.4962 46 30608.3684 42666.1312 59412.1829 82635.0660 114790.3702 47 37037.1257 52053.6801 73077.9850 102468.4818 143488.9627 48 44815.9221 63506.4897 89886.9215 127061.9174 179362.2034 49 54228.2658 77478.9175 110561.9135 157557.7776 224203.7543 50 65617.2016 94525.2793 135992.1536 195372.6442 280255.6929

## FVIFA Table Use Case

Let’s explore an example to illustrate how you can apply the Future Value Interest Factor of an Annuity (FVIFA) in a practical scenario. Suppose you decide to deposit $1,000 annually into an annuity. The interest rate is 5%, and you plan to continue these deposits for 10 years. To calculate the future value of this annuity, you first refer to the FVIFA Table. In this case, with an interest rate of 5% over 10 years, the FVIFA, as found in the table, is 12.578. Now, to find the future value of your annuity after 10 years, you simply multiply your annual deposit amount by the FVIFA. Therefore,$1,000 multiplied by 12.578 equals \$12,578.

This example is a practical demonstration of how the FVIFA can be a valuable tool for you. It enables quick and efficient calculation of an annuity’s future value, helping you understand the potential growth of your investment over a set period.

Personal Finance Calculators
Best Platforms
Stock Investing