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Annuity Calculator
Present value of an annuity.
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Advanced Present Value

Compute future value, annuity due, growing annuities, and compare multiple cash-flow scenarios.

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Frequently Asked Questions

What is an annuity?

An annuity is a series of equal payments made at regular intervals. The present value of an annuity is how much that future stream of payments is worth today, discounted at a given interest rate.

How do I calculate present value of an annuity?

PV = PMT × [1 - (1 + r)^-n] / r, where PMT is the payment amount, r is the periodic interest rate, and n is the number of periods.

What is the difference between an ordinary annuity and an annuity due?

An ordinary annuity makes payments at the end of each period, while an annuity due makes payments at the beginning. Annuity due has a slightly higher present value because payments arrive sooner.