For example, the present value of an ordinary annuity table would give you one number (referred to as a factor) that is pre-calculated for the (1 - (1 + r) ^ - n) / r) portion of the formula.

As with the present value of an annuity, you can calculate the future value of an annuity by turning to an online calculator, formula, spreadsheet or annuity table. You’ll need this information ...

The present value interest factor of an annuity is calculated to compare the real value of a lump sum payment today and the same amount of money paid over time.

To find the present value of an annuity, you’ll need to know three things: Amount of each annuity payment. Number of payments remaining in the annuity contract. Discount rate.