Enter a goal future value, rate, and number of periods; the calculator returns the annuity-due payment you must deposit at each period’s start. For example, a 6 % rate over 20 years on $250,000 needs about $6,410 per year. Annuities make up roughly 7 % of U.S. household financial assets (Federal Reserve, 2023).
Enter three numbers—present value, rate per period, and number of periods—press “Calculate,” and the tool instantly returns the required beginning-of-period payment. A $100,000 annuity at 0.5 % monthly for 60 months produces a $1,837 payment. U.S. fixed-rate annuities averaged 4.9 % in 2023 (Federal Reserve, 2024).
Make payments at the start of each period and you earn one extra compounding cycle, boosting returns by roughly 5 % compared with end-of-period plans (Investopedia, 2023). This calculator turns your inputs—payment, rate, periods—into an instant future-value figure so you can size retirement, education or business savings in seconds.
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The Present Value Annuity Factor (PVAF) lets you translate a stream of equal future payments into one lump-sum value today; raising the discount rate by 100 bps trims a 20-year annuity’s present value by roughly 5 % (Damodaran, 2022). Use our calculator: enter the rate per period, number of periods, click “Calculate”, then multiply the PVAF by your payment amount.
Enter your target balance, interest rate, and payment size—our calculator instantly shows how many deposits you need. Raising the periodic rate by just 1 percentage-point can cut payoff time about 15 % for typical consumer loans (Federal Reserve, 2022). Powered by the standard logarithmic annuity formula, the tool clarifies timelines so you can budget with precision.
The calculator discounts a stream of equal payments using $$PV=C rac{1-(1+r)^{-n}}{r}$$, letting you test “what-if” scenarios in seconds. A $2,000 quarterly payment, 4 % rate, 12 periods returns $22,543.81. Roughly 70 % of U.S. households use present-value methods when comparing loans (Federal Reserve, 2023).
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