Present Value Calculator - Calculate Present Value of Periodical Deposits
Present Value Calculator
(%)
($) per period
Calculation Results
Present Value
Total Interest
Future Value
Total Deposit
Period-by-Period Schedule
| Period | Deposits | Interest | End balance |
|---|
Portfolio Breakdown
Accumulation Growth Chart
Which Mathematical Formulas Are Used?
Present Value of Annuity
End-of-Period Payments (Ordinary Annuity):
PV = PMT × [(1 - (1 + r)^(-n)) / r]
Beginning-of-Period Payments (Annuity Due):
PV = PMT × (1 + r) × [(1 - (1 + r)^(-n)) / r]
Future Value of Annuity
End-of-Period Payments (Ordinary Annuity):
FV = PMT × [((1 + r)^n - 1) / r]
Beginning-of-Period Payments (Annuity Due):
FV = PMT × (1 + r) × [((1 + r)^n - 1) / r]
Where:
- PV = Present Value
- FV = Future Value
- PMT = Periodic Payment
- r = Interest rate per period (as decimal)
- n = Number of periods
References
Government Resources
- U.S. Securities and Exchange Commission - Investor.gov - Official government resource for investor education
- U.S. Department of Treasury - Financial Education - Treasury's financial literacy resources
- MyMoney.gov - Federal government's website dedicated to teaching financial literacy
- Federal Reserve Economic Research & Data - Economic data and research from the Fed
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