Annuity Present Value Calculator

Calculate the present value of an annuity - a series of equal periodic payments.

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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

$1,000
$100$1,00,000
6%
1%20%
20 periods
1 periods50 periods

Present Value of Annuity

$11,470

Ordinary Annuity with 20 payments

Total Payments
$20,000
Interest Savings
$8,530
PV (Ordinary)
$11,470
PV (Annuity Due)
$12,158

Payment Present Values

PeriodPV FactorPresent Value
10.9434$943
20.8900$890
30.8396$840
40.7921$792
50.7473$747
60.7050$705
70.6651$665
80.6274$627
90.5919$592
100.5584$558
110.5268$527
120.4970$497
130.4688$469
140.4423$442
150.4173$417
160.3936$394
170.3714$371
180.3503$350
190.3305$331
200.3118$312

Annuity Present Value Formulas

Ordinary Annuity

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

Payments made at the END of each period

Annuity Due

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

Payments made at the BEGINNING of each period

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