Annuities & Time Value of Money

Annuities & Time Value of Money

Overview

Discover the Annuities & Time Value of Money server, your go-to tool for understanding and calculating the true value of money over time. Whether you're planning savings, investments, or loans, this server helps you easily compute present and future values of regular payments and streams of cash flows.

With powerful features like perpetuity calculations, annuity valuations, and growth adjustments, you'll gain clear insights for real-world financial decisions. Simplify complex concepts with quick, accurate answers, making it perfect for students, investors, or anyone curious about money’s changing value.

Key features include:

  • Calculating present and future values of annuities and perpetuities
  • Determining capital recovery factors for loans and investments
  • Handling growing and continuous payment scenarios
  • Tools for monthly, quarterly, and annual cash flow calculations

Make smarter financial choices with easy-to-use tools designed to demystify the world of money and investments.

Example prompts to invoke Tool Annuities & Time Value of Money

What is the present value of a perpetuity that pays $1,000 annually if the interest rate is 5%?
Can you calculate the present value of a growing perpetuity with a 3% growth rate, a 6% interest rate, and annual payments of $500?
I want to find out the present value of a perpetuity that increases by 2% each period with an interest rate of 4%.
Calculate the capital recovery factor for an interest rate of 8% over 10 years.
What's the capital recovery factor for a 12% interest rate over 15 periods?
Tell me the continuous capital recovery factor if the interest rate is 7% and the period is 20 years.
What is the future value of an annuity due with $200 payments made at the beginning of each month, a 0.5% monthly interest rate, over 5 years?
Calculate the present value of an annuity due with quarterly payments of $1,000, a 4% annual interest rate, for 10 years.
How much is the present value of an annuity due where payments of $300 are made at the start of each quarter, with a quarterly interest rate of 1%, over 8 years?
What is the future value of an ordinary annuity with $150 payments, a 2% interest rate, over 7 years?
Can you find the future value of a growing annuity with monthly payments of $500, a growth rate of 1%, interest rate of 6%, over 12 months?
Calculate the present value of an annuity with 20 payments of $1,000 made annually, a 5% interest rate, and payments at the end of each year.
What's the present value of an annuity where $2,000 is paid monthly for 3 years at an interest rate of 0.3% per month?
Determine the future value of an asset with a present value of $10,000, a continuous interest rate of 4%, over 10 periods.

Context

Tools
function capital_recovery_factor

Calculates the capital recovery factor, which is the ratio of a constant annuity to the present value of receiving that annuity for a given length of time.

function continuous_capital_recovery_factor

Calculates the continuous capital recovery factor, which is the ratio of a constant annuity to the present value of receiving that annuity for a given length of time compounded continuously.

function future_value_of_annuity_due

Calculates the future value of an annuity due, which is the accumulated amount of a series of payments made at the beginning of each period, including interest.

function present_value_of_annuity_due

Calculates the present value of an annuity due, which is a series of payments made at equal intervals at the beginning of each period, discounted by the interest rate.

function present_and_future_value_with_continuous_compounding

Calculates the future value of an asset using continuous compounding given the present value, continuous interest rate, and number of interest periods.

function future_value_of_annuity

Calculates the future value of an annuity, which is the accumulated amount of a series of payments made at equal intervals to an interest-bearing account.

function present_value_of_annuity

Calculates the present value of an annuity, which is the value of a series of future payments, discounted by the interest rate.

function present_and_future_value

Calculates the future value of an asset given the present value, interest rate, compounding frequency, and number of interest periods.

function perpetuity_value_calculator

Calculates the present value of a perpetuity given the periodic payment, periodic payment growth rate, and interest rate.