Annuity Present Value Calculator

Calculate the present value of a series of equal periodic payments discounted at a given interest rate.

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Important Financial Disclaimer

This calculator provides estimates based on standard financial formulas from verified references. Results are for informational and educational purposes only and should not be considered as professional financial, investment, or tax advice.

For important financial decisions such as loans, investments, mortgages, retirement planning, or tax matters, please consult with qualified financial advisors, certified financial planners, or licensed tax professionals who can review your specific situation.

Calculations may not account for all variables specific to your circumstances, local regulations, or current market conditions. Always verify results and consult professionals before making financial commitments.

Not a substitute for professional financial advice

Annuity Details

$
%
years

Formula: PV = PMT x [(1 - (1 + r)^-n) / r]

Present Value

$94,281.35

Value today of all future payments

Total Payments
$120,000.00
Total Interest
$25,718.65

Calculation Details

Periodic Payment$1,000.00
Periodic Rate0.4167%
Effective Annual Rate5.1162%
Present Value$94,281.35
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