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Finance

Annuity Present Value Calculator

Discount equal end-of-period payments at a constant periodic rate.

Amounts stay on this deviceMethod and assumptions below
Financial workspace
Financial workspace

Check the assumptions, then compare another scenario.

See the method

Build a scenario

Runs on your device

Your financial summary

Your result

Let’s calculate.

Use the Calculate button to see your result.

Estimate based on your inputs and the stated assumptions.

How to use this tool

  1. Enter payment per period, rate per period, number of periods.
  2. Select Calculate to view the result.
  3. Check the method and assumptions below before using the result.

Input reference and sample values

Use the units and choices shown for each field. Sample values are provided for practice, not as recommendations.

InputFormat and unitsSample
Payment per periodNumeric value. Unit: money. Zero or positive.100
Rate per periodNumeric value. Unit: %. Zero or positive. Maximum: 100.1
Number of periodsWhole numbers only. Minimum: 1. Maximum: 10000.12

Result for these sample inputs

1125.50775 currency units

Select Try the example in the form to load these values and calculate them again. This replaces the current form inputs. Compare the result with the method and worked explanation below.

The method, explained

PV = payment × [1 − (1 + r)^−n]/r. If r = 0, PV = payment × n.

A WORKED EXAMPLE

Using payment per period = 100 money, rate per period = 1 %, number of periods = 12, the result is 1125.50775 currency. Change these example inputs to match your task; use the method above to check each step.

What to keep in mind

A scenario calculation using your inputs, before unlisted fees or taxes. It is not a quoted product rate or personalized recommendation.

Methodology maintained by ClarityKit. How these tools are built and checked.