Annuity Calculator
Work out the fixed payment from a present sum.
Runs locally in your browser — your numbers never leave this pageTry: Present value=100000, Rate / period=5, Periods=20 → $100,000, 5.00%, 20, $8,024
How to use
An annuity turns a lump sum into equal periodic payments, common for pensions, loans and structured settlements.
Formula
PMT = PV · r / (1 − (1 + r)−n)
FAQ
Is this for loans or payouts?
Both — the math is identical, only the direction of cash differs.
What if the rate is zero?
Payment is simply PV divided by the number of periods.
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