Annuity Present Value Calculator

Our calculator helps finance professionals determine the present value of an annuity. This tool is essential for evaluating financial decisions involving recurring payments.

Calculate Present Value

Future Value *

Annual Interest Rate (%) *

Number of Periods *

Results

Present Value: $0.00

Data Source and Methodology

Calculations are based on standard financial formulas. Please consult financial literature for detailed understanding.

The Formula Explained

Present Value (PV) = $ \frac{FV}{(1 + r)^n} $

Glossary of Terms

Future Value (FV): The amount of money in the future after interest is applied.
Annual Interest Rate (r): The yearly percentage increase in value.
Number of Periods (n): The total number of periods or years.
Present Value (PV): The current worth of a future sum of money.

How It Works: A Step-by-Step Example

Consider an annuity with a future value of $10,000, an annual interest rate of 5%, and a duration of 10 years. The present value is calculated using the formula above.

Frequently Asked Questions (FAQ)

What is an annuity?

An annuity is a series of equal payments made at regular intervals.

How is the present value useful?

The present value helps determine the worth of future cash flows today.

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Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

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Formula (extracted text)

Present Value (PV) = \( \frac{FV}{(1 + r)^n} \)

Variables and units

No variables provided in audit spec.

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

, ', svg: { fontCache: 'global' } };

Annuity Present Value Calculator

Our calculator helps finance professionals determine the present value of an annuity. This tool is essential for evaluating financial decisions involving recurring payments.

Calculate Present Value

Future Value *

Annual Interest Rate (%) *

Number of Periods *

Results

Present Value: $0.00

Data Source and Methodology

Calculations are based on standard financial formulas. Please consult financial literature for detailed understanding.

The Formula Explained

Present Value (PV) = $ \frac{FV}{(1 + r)^n} $

Glossary of Terms

Future Value (FV): The amount of money in the future after interest is applied.
Annual Interest Rate (r): The yearly percentage increase in value.
Number of Periods (n): The total number of periods or years.
Present Value (PV): The current worth of a future sum of money.

How It Works: A Step-by-Step Example

Consider an annuity with a future value of $10,000, an annual interest rate of 5%, and a duration of 10 years. The present value is calculated using the formula above.

Frequently Asked Questions (FAQ)

What is an annuity?

An annuity is a series of equal payments made at regular intervals.

How is the present value useful?

The present value helps determine the worth of future cash flows today.

```

Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

\[','\]

','

Formula (extracted text)

Present Value (PV) = \( \frac{FV}{(1 + r)^n} \)

Variables and units

No variables provided in audit spec.

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

]], displayMath: [['\\[','\\]']] }, svg: { fontCache: 'global' } };, svg: { fontCache: 'global' } };

Annuity Present Value Calculator

Our calculator helps finance professionals determine the present value of an annuity. This tool is essential for evaluating financial decisions involving recurring payments.

Calculate Present Value

Future Value *

Annual Interest Rate (%) *

Number of Periods *

Results

Present Value: $0.00

Data Source and Methodology

Calculations are based on standard financial formulas. Please consult financial literature for detailed understanding.

The Formula Explained

Present Value (PV) = $ \frac{FV}{(1 + r)^n} $

Glossary of Terms

Future Value (FV): The amount of money in the future after interest is applied.
Annual Interest Rate (r): The yearly percentage increase in value.
Number of Periods (n): The total number of periods or years.
Present Value (PV): The current worth of a future sum of money.

How It Works: A Step-by-Step Example

Consider an annuity with a future value of $10,000, an annual interest rate of 5%, and a duration of 10 years. The present value is calculated using the formula above.

Frequently Asked Questions (FAQ)

What is an annuity?

An annuity is a series of equal payments made at regular intervals.

How is the present value useful?

The present value helps determine the worth of future cash flows today.

```

Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

\[','\]

','

Formula (extracted text)

Present Value (PV) = \( \frac{FV}{(1 + r)^n} \)

Variables and units

No variables provided in audit spec.

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn