Best 6 Annuity Calculators in 2026: Weigh Your Options

Introduction

If you need an annuity calculator, the right choice depends on the calculation you’re trying to make. This roundup compares six Android and iPhone apps, from dedicated annuity tools to broader financial calculators. It’s based on the calculations and features each app lists, not on investment advice.

Quick comparison table

App Annuity Calculator focuses on accumulation and withdrawals. Financial Calculators and TVM Financial Calculator include annuity calculations in broader financial toolkits, while Financial Calculator Pro offers a time-value-of-money worksheet. Compoundee handles periodic contributions or withdrawals and amortization by period. Annuity+ focuses on financing schedules and amortization.

1. App Annuity Calculator

Best for: Android users who want a tool centered on annuity calculations.

App Annuity Calculator calculates tables for future accumulation and present withdrawals. It can also calculate deposits and the number of payment periods, covering several parts of an annuity scenario in one place.

The app handles both accumulation and withdrawal scenarios in a dedicated calculator. That may suit you if you’re working out how payments could build over time or considering present withdrawals, rather than looking for a general set of financial tools.

2. Financial Calculators

Best for: Android users who want annuity tools alongside other financial calculators.

Financial Calculators is a collection that includes an annuity calculator, a future value of annuity calculator, and a present value of annuity calculator. Each tool addresses a different annuity-value question.

Unlike the more focused App Annuity Calculator, this app lets you choose a separate calculator for the value you want to work out. Its clear split between common annuity calculations is useful if you also want access to a broader financial toolkit.

3. TVM Financial Calculator

Best for: Android users working through time-value-of-money problems.

TVM Financial Calculator includes present-value and future-value annuity calculators in a time-value-of-money-focused app. These functions can help answer questions about what an annuity is worth now or what it may amount to in the future.

The listed annuity functions focus on value calculations, rather than the wider range of deposits and payment periods covered by some other picks. The app includes both present- and future-value annuity calculations in one TVM calculator.

4. Financial Calculator Pro

Best for: Android users who want to solve several time-value-of-money variables.

Financial Calculator Pro has a time-value-of-money worksheet that can solve for payment, present value, and future value. It also includes beginning- and end-of-period annuity modes, so you can choose when payments occur within each period.

The calculator offers both timing modes. If you’re using it for an annuity question, check that the selected mode matches the payment timing you want to calculate.

5. Compoundee

Best for: iPhone users comparing periodic contributions or withdrawals over time.

Compoundee handles annuity and time-value-of-money problems, including scenarios with periodic deposits or withdrawals. It also provides amortization by period, letting you view results across individual periods instead of only as a single total.

That period-by-period view may help if you’re tracking how an annuity develops or is drawn down over time. The app is described as a compound-interest and investment calculator, so it covers more than annuities alone.

6. Annuity+

Best for: iPhone users calculating financing or leasing payments.

Annuity+ is a financing and leasing calculator that can solve for payment, interest, residual value, or financed amount. It also provides payment schedules and amortization details to show how payments are laid out over time.

The app pairs payment calculations with schedule and amortization information. Its focus is financing and leasing, so it’s better suited to those payment questions than to general annuity accumulation or withdrawal scenarios.

How we picked these apps

These picks were selected for explicitly listed annuity, present-value, future-value, or related payment calculations. The list includes dedicated annuity calculators alongside broader financial and time-value-of-money tools, so their capabilities vary.

We included Android and iOS options and based each “best for” description on the app features provided. We did not use unverified reviews, prices, or performance claims to rank them.

Frequently asked questions

What does an annuity calculator help you work out?

Depending on the tool, it can calculate annuity values, payments, deposits, or withdrawal scenarios. Present value asks what future payments are worth now; future value asks what they may add up to later. Check which variables your chosen app supports.

Which app should I choose for future value or present value?

Financial Calculators and TVM Financial Calculator explicitly list both future-value and present-value annuity calculators. App Annuity Calculator also covers future accumulation and present withdrawals. Choose based on the specific calculation you need.

What is the difference between beginning- and end-of-period annuity modes?

The timing mode indicates whether payments occur at the start or end of each period. Financial Calculator Pro specifies both modes, but check the calculator’s assumptions before relying on a result.

Can these apps replace financial advice?

No. Results depend on the numbers and assumptions you enter, so verify them before making a financial decision. A calculator does not assess your full financial situation.

The verdict

Each app covers a different set of calculations. App Annuity Calculator handles accumulation tables, present withdrawals, deposits, and payment periods in one dedicated tool. Financial Calculators and TVM Financial Calculator offer broader financial tools or clearly named present- and future-value annuity options. Choose based on the calculation you need and whether you use Android or iPhone; no single app covers every annuity question.