To Calculate the Future Value of an Annuity Due FV(AD), we first treat it as an ordinary annuity, and then compound that value for one more period. The Future Value of an Ordinary Annuity FV(OA) formula is:

FV(OA) = PMT · [((1 + i)ⁿ - 1) / i ]   where:

PMT = periodic payment

i = periodic interest rate  (annual rate divided by number of periods per year)

n = number of periods (or number of payments)

This resulting FV(OA) is compounded one more time to convert to Future Value of an Annuity Due:

FV(AD) = FV(OA) • (1 + i)

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