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Calcimator

Annuity Present Value Calculator

Calculate present value and future value of annuities. Supports ordinary and annuity due payments with various frequencies.

Inputs

$

Results

Present Value

$151,525.31

≈ 10 used cars

Future Value

$411,033.67

≈ 10 Teslas

Total Payments$240,000.00
Interest Earned$171,033.67
PV Factor151.525
How to Use This Calculator
  1. Enter the periodic payment amount.
  2. Set the discount rate (interest rate) per period.
  3. Input the number of periods.
  4. Choose payment timing: annuity-immediate (end of period) or annuity-due (beginning of period).
  5. Review the present value — the lump sum today equivalent to the future payment stream.

How the result changes with Payment Amount

Payment AmountPresent ValueFuture Value
$400.00$60,610.13$164,413.47
$1,400.00$212,135.44$575,447.14
$2,600.00$393,965.81$1,068,687.54
$3,600.00$545,491.13$1,479,721.21

What each input means

Payment Amount
Amount of each payment
Annual Interest Rate
Annual discount/interest rate
Number of Years
Duration of annuity
Payments per Year
Payment frequency
Payment Type
When payments are made

How this is calculated

Formula

PV = PMT × [(1 - (1 + r)^-n) / r]

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Payment Amount = 1000, Annual Interest Rate = 5, Number of Years = 20, Payments per Year = 12 = 5 input(s) provided
  2. Calculate Present Value
    Present Value
    151525.31 = $151,525.31
  3. Calculate Future Value
    Future Value
    411033.67 = $411,033.67
  4. Calculate Total Payments
    Total Payments
    240000 = $240,000
  5. Calculate Interest Earned
    Interest Earned
    171033.67 = $171,033.67

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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