Annuity Calculator

Free online annuity calculator. Ordinary ya annuity due ka future value, present value ya periodic payment calculate karein, adjustable rate, term aur payment frequency ke saath. Growth chart par dekhein.

Barabar payment wale kisi bhi cash flow ki planning karein. Annuity barabar payment hoti hain jo regular interval par milti hain. Is tool se future value, present value ya goal paane ke liye payment nikaal sakte hain - pension, loan, lease, savings plan aur bhi bahut kuch.

Periodic Payment (PMT)
—
Result
—
Total Paid
—
Interest
—

Annuity Samjhein

Annuity kya hai?

Annuity barabar payment hoti hain jo barabar time gap par di jaati hain. Classic example: pension, insurance settlement, lease, mortgage aur SIP savings. Ye calculator do type sambhalti hai:

  • Ordinary annuity: payment har period ke end mein hoti hai. Zyadatar loan aur savings mein yehi use hota hai.
  • Annuity due: payment har period ke start mein hoti hai. Rent aur insurance premium aise hi hote hain.

Teen cheezein jo aap solve kar sakte hain

  1. Future Value (FV) - payment diya ho, to end tak kitna banega?
  2. Present Value (PV) - aane wali payment stream aaj ke paison mein kitni hai?
  3. Payment (PMT) - target FV ya PV paane ke liye payment kitni honi chahiye?

Formula

Har period ka rate r aur total periods n maan ke:

  • Ordinary FV: FV = PMT x ((1 + r)^n - 1) / r
  • Ordinary PV: PV = PMT x (1 - (1 + r)^-n) / r
  • Annuity due mein dono mein (1 + r) se multiply karte hain, kyunki har payment ek period pehle shift ho jaati hai.

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

Dhyan rakhein

  • Rate sirf assumption hai, guarantee nahi. Market badalti hai.
  • Ye tool tax, fee aur inflation ignore karta hai. Real purchasing power ke liye inflation calculator use karein.
  • Ek baar ka lump sum ke liye compound-interest tool use karein.
  • Result sirf planning estimate hain, financial advice nahi.

Open-Source License: Ye tool vanilla JavaScript mein bana hai aur Chart.js (MIT) ko locally bundle karta hai.

Frequently Asked Questions

Ordinary ya annuity due - kaunsa choose karein?
Loan, mortgage aur zyadatar savings ke liye ordinary (end-of-period). Rent, lease aur insurance premium jo pehle di jaati hain unke liye annuity due. Farak sirf ek (1 + r) factor ka hai.
Present value mere payment se kam kyun hai?
Kyunki future ka paisa aaj kam value ka hota hai. Ye gap hi time value of money hai - jo interest aap implicitly 'dete' hain baad mein paane ke liye.
Monthly pension kaise model karu?
Payments per year 12 rakhein, monthly pension ko PMT banayein, expected return ko annual rate aur payout years ko term. 'Present Value' par switch karein to aaj ki value dikh jaayegi.
Kya goal ke liye payment nikaal sakte hain?
Haan - 'Periodic Payment' choose karein, target amount aur wo future ya present value hai ye batayein, phir required PMT mil jaayega.
Kya ye inflation dekhta hai?
Direct nahi. Rate mein expected return minus expected inflation daalein taaki aaj ki purchasing power samjhein, ya inflation calculator use karein.
Kaunsa rate use karu?
Apne investment ya loan wala per-payment rate use karein. 6% annual jo monthly mile, usme per-period rate 0.5% hai.