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`PV = "PMT" *( 1/ "r" - 1/( "r" *(1+ "r" )^t))`

Enter a value for all fields

The **Present Value of an Ordinary Annuity** calculator computes the present value (PV) of a fixed rate annuity based on:

- (PMT) regular annuity payment,
- (r) fixed interest rate of return per period, and
- (t) number of periods defining the duration.

**Present Value (PV):** The calculator computes the Present Value in U.S. dollars (USD). However, this can be automatically converted into other currency units (e.g. Russian Ruble) via the pull-down menu.

The Present Value of a an Ordinary Annuity formula calculates the current lump-sum value of of a future annuity paid in fixed payments (PMT) based on a fixed interest rate (r) over a number of payments (t). This formula could be used to assess whether to receive a lump sum lottery award or to receive an annuity over time.

**Annualized Amortization**- computes the monthly payment of a fixed interest rate loan (e.g. home mortgage).**Credit Card Equation**- computes the number of months to pay off a credit card.**Affordable Borrowing Amount**: - compute the amount of principal one can borrow based on monthly payment.**Leverage Ratio**- calculates a ratio describing debt to income.**Cash Flow**- calculates the difference between income an expenses**Compound Interest**- computes the compounded interest on a fixed interest rate investment**CAGR**- computes the compounded annual growth rate achieved on an investment.**Present Value**- computes the present value of a fixed annuity.**Future Value**- computes the future value of a fixed annuity.**Rule of 72**- provides a quick estimate on time to double an investment**Simple Interest Earned**- a rough estimate on interest earned over time.**Wage Calculator**- Computes the annual, monthly and weekly pay amounts base on hourly wage.

Future Value - Fixed Interest

Present Value Ordinary Annuity