Аннуитетный калькулятор

Calculate present value, future value, or required payments for ordinary annuities and annuities due.

Ваши данные

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Choose what to calculate (Present Value, Future Value, or Payment), enter your amounts and periods, then click Calculate.

Полное руководство пользователя

What is an Annuity?

An annuity is a series of equal payments made at regular intervals (e.g., monthly or annually). This calculator works with two types: ordinary annuities (payments at the end of each period) and annuities due (payments at the beginning of each period). You can find present value, future value, or the payment amount needed given the other inputs.

Ключевые понятия

  • Present Value (PV): The lump sum today that is equivalent to the stream of future payments, given an interest rate.
  • Future Value (FV): The total value of all payments plus interest at the end of the last period.
  • Обыкновенный аннуитет: Payments at the end of each period (e.g., most loans and mortgages).
  • Аннуитетный срок: Payments at the beginning of each period (e.g., rent, insurance premiums).

Как использовать

Select what you want to calculate: Present Value, Future Value, Payment from PV, or Payment from FV. Choose Ordinary or Annuity Due. Enter the known amounts (payment, present value, or future value as applicable), interest rate per period (e.g., 5 for 5%), and number of periods. Click Calculate to see the result, summary stats, payment breakdown chart, and period comparison table.

Understanding Results & Charts

The main result is the value you asked for (PV, FV, or Payment). The summary cards show payment per period, total payments, total interest, and number of periods. The Payment Breakdown chart shows how much of the total is principal vs. interest. The Period Comparison table shows PV and FV for different period lengths (12, 24, 36, 60, 120, 240) at the same payment and rate.

Формулы

PV (ordinary) = PMT × [(1 − (1+r)^(−n)) / r]

FV (ordinary) = PMT × [((1+r)^n − 1) / r]

For annuity due, multiply the ordinary result by (1 + r). Payment from PV or FV is found by solving the same formulas for PMT.

Важные примечания

Interest rate and periods must match: if payments are monthly, use a monthly rate and number of months. Rate is per period (e.g., annual rate 12% with monthly payments → 1% per period). Periods are limited to 1–600. This tool is for estimation only; consult a financial professional for important decisions.

Tips

  • Use monthly rate and months for monthly annuities (e.g., 6% annual → 0.5% per month).
  • Compare ordinary vs. annuity due to see how timing affects PV and FV.
  • Use the comparison table to see how longer terms change PV and FV at the same payment.

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