Calculate the Present Value of an Annuity ...

For ordinary or annuity due.

Type:Annuity type:Type of annuity:Type of annuity:
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Type of annuity:

Select the type of annuity. An Annuity Due indicates payments are received or made at the beginning of each period, whereas an Ordinary Annuity indicates payments are received or made at the end of each period.

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Future lump sum or payment amount:

Choose whether you would like to calculate the present value of an annuity starting with a future lump sum or starting with future payment amount, then enter the corresponding future value. Lump sum present value annuity calculations are typically used for calculating loan payments, whereas present value of future payments are typically used for calculating retirement savings needed to generate the desired retirement income.

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Frequency:Frequency:Payment/withdrawal frequency:Payment/withdrawal frequency:
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Payment/withdrawal frequency:

Select the payment/deposit frequency you want the calculator to use for the present value calculations.

# of years:Number of years:Number of years to calculate PV for:Number of years to calculate present value for:
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Number of years to calculate present value for:

Enter the number of years you would to calculate present value for.

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Disc rate:Discount rate:Present value discount rate:Present value discount rate:
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Present value discount rate:

Enter the annual present value discount rate to be used for the present value calculations. Please enter as a percentage, but without the percent sign (for .06 or 6%, enter 6). Note that the calculator will convert the annual discount rate to the rate that corresponds to the payment frequency. For example, if you selected a monthly payment frequency, the calculator will divide the annual rate by 12.

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Calculate Present ValueCalculate PV of AnnuityCalculate Present Value of an AnnuityCalculate Present Value of an Annuity
PV:Present value:Present value of annuity:Present value of annuity:
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Present value of annuity:

Based on your entries, this is the present value of the annuity you entered information for. If you chose to enter a future lump sum, this result represents the periodic payment amount needed to pay off the loan within the specified time period. Or, if you chose to enter a future payment amount, this result represents the amount you would need to deposit now in order to be able to withdraw the payment during each period interval over the course of the entered number of years.

Total:Total pmts/draws:Total payments/withdrawals:Total of annuity payments/withdrawals:
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Total of annuity payments/withdrawals:

Based on your entries, this is the total of all payments received (annuity) or made (loan) -- depending on whether you chose to calculate present value starting with a future lump sum, or starting with a future payment amount.

Interest:Interest:Interest earned/paid on annuity:Interest earned/paid on annuity:
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Interest earned/paid on annuity:

Based on your entries, this is how much compound interest will be earned or paid on the annuity or loan.

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