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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

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

The Formula for Calculating Present Value of an Even Cash Flow

An even cash flow of regularly scheduled payments defines an annuity. If you borrow money to start your business, the monthly payments are calculated using an annuity formula. Two basic annuity ... read more

How much does an annuity cost (and is it worth it)?

Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing ... read more

Can You Lose Money In An Annuity? Know These Two Things To Figure It Out

Yes, annuities provide valuable tax-deferred growth. But for more than any other reason, annuities are valuable because of their guarantees. In an annuity, the insurer makes certain contractual ... read more

Perpetuity: What It Is, How It Works & Formula

A perpetuity in finance is a stream of payments or cash flows that is presumed to extend indefinitely into the future. Learn the importance of perpetuities, with the help of examples of investments. A ... read more