Calculadora de Anuidade Online Grátis
Present value and future value of fixed payment annuity streams with period visualization
Sobre Esta Calculadora
An annuity is a series of equal, periodic cash flows — either received (ordinary annuity, like a pension) or paid (annuity due, like rent). The two core questions this calculator answers: how much is a series of future payments worth today (present value), and how much will regular contributions grow to in the future (future value)?
Present Value example: a pension that pays $2,000/month for 20 years, discounted at 5% annually, has a present value of approximately $302,000. That's the lump sum you'd need today — invested at 5% — to replicate those payments.
Future Value example: saving $500/month for 30 years at 6% annual return produces a future value of $502,257. The total contributions were $180,000; compounding generated the other $322,257.
Annuities are used to price insurance products, structure lottery payouts vs. lump sums, value pension obligations on corporate balance sheets, and plan structured retirement withdrawals. Understanding whether a lottery's $1M lump sum or $50,000/year for 30 years offers better value requires exactly this calculation — typically the lump sum wins at discount rates above 2–3%.
Saiba o valor real de fluxos periódicos.