Annuity Present Value Calculator
See what future payments are worth today.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
The present value of an annuity tells you what a series of equal, regularly spaced future payments is worth in today's money, using the standard formula PV = PMT × [1 − (1 + r)^(−n)] / r, where PMT is the payment amount, r is the discount rate per period, and n is the number of payments. Because a dollar received in the future is worth less than a dollar today, each payment gets discounted back by an increasing amount the further out it falls.
This calculation underlies how loan payments, pension payouts, structured settlements, and lottery annuity prizes get valued — a lender uses it to price a fixed-payment loan, and a buyer of a structured settlement uses it to decide what lump sum is fair for a stream of future checks. This calculator takes your payment amount, discount rate, and number of periods and returns the present value of the whole stream.
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