Annuity (Present Value) Calculator

Find the value today of a stream of equal future payments — the present value of an ordinary annuity.

Your details

Payment per period$Discount rate (per period)%Number of periods

Present value

$7,721.73

Total payments: $10,000.00
Discount: $2,278.27

Present value vs discount

Present value: $7,721.7377%
Discount: $2,278.2723%

Present value$7,721.73

Formula

PV = PMT × (1 − (1 + r)^−n) ÷ r, where r is the periodic rate and n the number of payments.

Sources & methodology

•U.S. SEC — saving & investing — SEC

Last updated: 2026-07-20

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