About this present value of annuity calculator
Calculate the present value of a series of equal payments, for an ordinary annuity or an annuity due. The math updates instantly and runs on your device, so it is fast, private, and available offline.
PV annuity
Present Value of Annuity Calculator
Details
How to use Present Value of Annuity Calculator
What the tool does, how to run it, and what to expect from the result.
At a glance
Who Present Value of Annuity Calculator is for
A quick way to understand who this helps, what it solves, and where it connects next.
Best fit
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Ideal for
Fast everyday math without a spreadsheet, app install, or sign-up.
FAQ
Common questions
Short answers for the questions people usually have before trying a utility like this.
Is the Present Value of Annuity Calculator free?
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
Does it use a specific currency?
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
What is the present value of annuity formula?
PV = PMT × (1 − (1 + r)^−n) ÷ r. Ten yearly payments of $1,000 at 5% are worth $7,721.73 today. For an annuity due (payments at the start), multiply by (1 + r): $8,107.82.
What is it used for?
Valuing lottery or settlement payouts, pensions and leases, and comparing a lump sum with a stream of payments.
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