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The future value of an annuity is the total value at a future date of a series of equal periodic payments invested at a fixed rate. Used to project retirement account balances, savings plan outcomes, and investment portfolio growth.

단계별 가이드

1. 1FV (ordinary annuity) = PMT × ((1+r)^n − 1) / r
2. 2FV (annuity due, paid at start) = FV ordinary × (1+r)
3. 3PMT = payment per period, r = periodic rate, n = number of periods
4. 4Payments at the beginning of each period (annuity due) earn one extra period of interest

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