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Subscribe to Alanis Business Academy on YouTube for updates on the latest videos: https://www.youtube.com/alanisbusines... Learn how to calculate the future value of annuity using the future value of annuity equation. The future value of annuity represents the future value of a stream of payments made over a period of time. Using the future value of annuity equation, we can determine how much money we'll have at a future point in time. To perform this equation we'll need to know how much money we intend to contribute, the length of time we intend to make those payments, and the rate of return we anticipate over a period of time. This calculation is commonly used to determine future retirement savings, either through a 401k, 403b, and traditional or Roth IRA.