Annuity Calculator

Free online annuity calculator. Ordinary ba annuity due er future value, present value ba periodic payment calculate kore, adjustable rate, term ebong payment frequency shoho. Growth chart e dekhun.

Soman payment er jetokhani cash flow er plan banan. Annuity holo nirdishto interval e dewa soman payment er ekta shreni. Pension, loan, lease, savings plan - je kono case er jonno ei tool future value, present value ba targete pouchate darkar payment ber korbe.

Periodic Payment (PMT)
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Result
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Total Paid
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Interest
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Annuity bujhun

Annuity ki?

Annuity holo soman somoye dewa soman payment er ekta kram. Classical example: pension, insurance settlement, lease, mortgage ebong savings. Ei calculator dui rokom handle kore:

  • Ordinary annuity: payment prottek period er sesh e hoy. Beshirbhag loan ebong savings eitai use hoy.
  • Annuity due: payment prottek period er surute hoy. Rent ebong insurance premium egulo ei rokom.

Teen ta kichu solve kora jay

  1. Future Value (FV) - payment jana thakle, sesh e koto hobe?
  2. Present Value (PV) - bissher payment stream ajker taka te koto?
  3. Payment (PMT) - target FV ba PV pouchate payment koto hone?

Formula

Protek period er rate r ebong total periods n dhori:

  • Ordinary FV: FV = PMT x ((1 + r)^n - 1) / r
  • Ordinary PV: PV = PMT x (1 - (1 + r)^-n) / r
  • Annuity due hole dui tai (1 + r) diye multiply hoy, karon prottek payment ek period age shift hoy.

Per-period rate = annual rate / payments per year, ebong n = years x payments per year.

Mone rakhben

  • Rate shudhu assumption, guarantee noy. Market badle.
  • Ei tool tax, fee ebong inflation ignore kore. Real purchasing power er jonno inflation calculator use korun.
  • Ek bar lump sum er jonno compound-interest tool use korun.
  • Result shudhu planning estimate, financial advice noy.

Open-Source License: Ei tool vanilla JavaScript e banano ebong Chart.js (MIT) locally bundle kore.

Frequently Asked Questions

Ordinary na annuity due - konta choose korbo?
Loan, mortgage ebong beshirbhag savings er jonno ordinary (end-of-period). Rent, lease ebong age dewa insurance premium er jonno annuity due. Parthokko shudhu ekta (1 + r) factor.
Present value amar payment theke kom keno?
Karon bissher taka ajke kom dami. Ei farak tai time value of money - porbe pouchate apni implicitly je 'interest' den.
Monthly pension kibhabe model korbo?
Payments per year 12 rakhun, monthly pension ke PMT banan, expected return ke annual rate ebong payout years ke term. 'Present Value' e switch korle ajker value dekhbe.
Targete pouchate payment ber kora jay?
Haan - 'Periodic Payment' choose korun, target amount ebong seta future na present value ta likhun, tarpor required PMT paben.
Ei tool inflation dekh e?
Direct noy. Rate hishebe expected return minus expected inflation din, nayan ajker purchasing power bujhte, ba inflation calculator use korun.
Kon rate use korbo?
Apnar investment ba loan er per-payment rate use korun. 6% annual je monthly pay hoy, sete per-period rate 0.5%.