// multi-utility computation suite · offline · instant · precise
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fin.annuity-present-value Calculator
Calculates the present value and future value of an ordinary annuity or annuity-due from periodic payment, rate, and periods. An annuity-due (payments at period start) is worth more than an ordinary annuity (payments at period end) by a factor of (1 + r).
Inputs
Pmt
Time for one complete cycle (s). Period = 1 / frequency. A 50 Hz signal has a 20 ms period.
R Pct
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
N
Time for one complete cycle (s). Period = 1 / frequency. A 50 Hz signal has a 20 ms period.
Type
Reference formula or conversion factor shown for context.
Results
present value PV ($)
Today's equivalent of a future cash flow. Captures the core idea that a dollar now is worth more than a dollar later because it can be invested.
future value FV ($)
What your investment will be worth at the end of the period. The power of compounding: $10,000 at 8% for 30 years grows to about $100,000.
total payments ($)
The combined total across all inputs and components.
interest earned ($)
Sample size or count used in the calculation.
PV = PMT × (1-(1+r)⁻ⁿ)/r
Reference formula or conversion factor shown for context.