Calculadora de Anuidade — Formula

Annuity Formulas

Future Value = PMT × [(1+r)^n - 1] / r

Present Value = PMT × [1 - (1+r)^-n] / r

These assume annual payments at the end of each period (ordinary annuity).

Exemplo Resolvido

$1,000 annual payments for 20 years at 5% interest.

  1. Future value = $1,000 × (1.05^20 - 1) / 0.05
  2. = $1,000 × (2.6533 - 1) / 0.05 = $33,066
  3. Present value = $1,000 × (1 - 1.05^-20) / 0.05
  4. = $1,000 × (1 - 0.3769) / 0.05 = $12,462
  5. Total payments = $1,000 × 20 = $20,000