免费年金计算器
计算年金的现值或终值，帮助您规划定期收入或付款方案。
USD
%
years
Future Value of Annuity
$33,065.95
Present Value of Annuity$12,462.21
Total Payments$20,000.00
Future Value of Annuity vs Number of Years
公式
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).
计算示例
$1,000 annual payments for 20 years at 5% interest.
- 01Future value = $1,000 × (1.05^20 - 1) / 0.05
- 02= $1,000 × (2.6533 - 1) / 0.05 = $33,066
- 03Present value = $1,000 × (1 - 1.05^-20) / 0.05
- 04= $1,000 × (1 - 0.3769) / 0.05 = $12,462
- 05Total payments = $1,000 × 20 = $20,000
常见问题
What is an annuity?
An annuity is a series of equal payments made at regular intervals. Examples include pension payments, lease payments, and insurance payouts.
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