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How to calculate the present and future value of annuities

Here’s what you need to know about two terms related to annuities — present value and future value. Present value of an annuity vs. future value of an annuity: What’s the di ... read more

Future Value of an Annuity: What It Is, Formula, and Calculation

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Amanda Jackson has expertise in personal finance, investing, and social services. She is a ... read more

How To Calculate The Value Of An Annuity

John Egan is a veteran personal finance writer whose work has been published by outlets such as Bankrate, Experian, Newsweek Vault and Investopedia. Michael Adams is a former Cryptocurrency and ... read more

What Is the Annuity Formula?

An annuity is an insurance contract you purchase to receive payments for a specific period, such as 30 years, or for the rest of your life. By applying a mathematical formula consisting of variables ... read more

Ordinary vs. Due: The Annuity Showdown

Generally, annuities are financial contracts that provide the purchaser with a guaranteed income stream. Regular payments or a lump sum are both ways to invest in annuities. In return, the institution ... read more

What is the difference between ordinary annuity and annuity due?

An annuity is a financial product that provides a stream of income over a set period. They’re often used in retirement planning as a way to generate income from a lump sum investment. However, there ... read more

Calculating the Present and Future Value of Annuities

Shauna Croome was one of the earliest financial content contributors when Investopedia opened in 2002. She was fundamental in growing the site to become the leader in financial literacy. Shauna held ... read more

Formula for the Future Value of an Annuity

Annuities are investment contracts issued by financial institutions like insurance companies and banks. When you purchase an annuity, you invest your money in a lump sum or gradually during an ... read more

The Difference Between Ordinary Annuity and Annuity Due

Ordinary annuities pay at the end of a period. Annuities due pay in advance or at the beginning of a period. Because of the difference in payment timing, the present value of an annuity due will be ... read more

How to calculate the present and future value of annuities

In the world of finance, an annuity is a contract between you and a life insurance company in which you give the company a lump sum or series of payments, and in return, the insurer promises to ... read more