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Annuities are much different than putting money aside in a bank or credit union or most any other financial instrucment in that 1) there are different kinds of annuities that accomplish different financial objectives and 2) annuties have different values, ie surrender value minus early surrender charges, value of the monthly income and the value of the monthly income changes with the kind of annuity, ie if you were to be guaranteed a life income as opposed to an income for just a certain period of time such as 10 yrs for example. or if you were to guaranteed a life income and if you passed and your survivor were to be guaranteed an income for 10 yrs or even their lifetime. I dont think you can determine the "future value" as their are so many varialbes.
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