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Deferred Annuity Present Value Calculator — result sheet
Estimate today's value of equal annuity payments that begin after a stated deferral period.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: PV today = payment×[1−(1+r)^−n]/r×timing factor/(1+r)^defer periods; timing factor is 1 for ordinary and 1+r for due.
The annuity value is first placed at the start of the payment stream and then discounted across the explicit deferral periods.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Payment per period — currency; minimum 0; maximum 1000000000000
- Annual interest rate — %; minimum -99.999; maximum 1000
- Payments per year — 3 choices
- Number of payments — minimum 1; maximum 10000
- Deferral periods before first payment — minimum 0; maximum 10000
- Payment timing — 2 choices
Worked example
| Input | Value |
|---|---|
| Payment per period | 1000 |
| Annual interest rate | 6 |
| Payments per year | 12 |
| Number of payments | 120 |
| Deferral periods before first payment | 12 |
| Payment timing | ordinary |
Present value today is approximately 84,841 currency units.
Assumptions and limits
- Payments are equal and the rate is compounded at the selected payment frequency.
- The deferral count is measured before the first payment period.
- Inflation, taxes, insurer guarantees, longevity, fees, and contract-specific rules are excluded.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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