Annuity & Pension PV Calculator
Discount a stream of equal payments to present value, or solve for payment given PV — ordinary annuity (payments end of period) for education.
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Cash flows
Level or monthly annuity PV
Ordinary annuity (payments at end of each period). Advanced mode adds a simple annual growth rate on payment (annual mode only).
Advanced mode
Growing annuity (annual mode): payments increase each year by the growth rate.
Results
Present value
PV of stream
LKR 16,096.72
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Perspective
Lower discount rates raise present values
The same cash flow stream is worth more today when discounted at a lower rate.
Real-world pensions have COLAs and credit risk this simple model ignores.
FAQ
Common questions
Annuity due vs ordinary?
This tool uses ordinary annuity (payments at end of each period). Annuity due pays at the start and has a slightly different formula.
Is this an insurance quote?
No. It is a financial math calculator only.
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