What is a PV annuity factor?

The factor [1 - (1+r)^(-n)]/r; multiply by the payment to get present value.

How do I use the table?

Find the cell for your rate and periods; multiply that factor by your periodic payment.

Rates are per period in percent (e.g. 5 for 5% per period).

Generate a table of present value annuity factors for given rates and number of periods.

Rates per period (%) — comma or space separated

Number of periods — comma or space separated

PV annuity factors

n \\ Rate	1%	2%	3%	4%	5%
1	0.9901	0.9804	0.9709	0.9615	0.9524
5	4.8534	4.7135	4.5797	4.4518	4.3295
10	9.4713	8.9826	8.5302	8.1109	7.7217
20	18.0456	16.3514	14.8775	13.5903	12.4622
30	25.8077	22.3965	19.6004	17.2920	15.3725

What is a PV annuity factor?: The factor [1 - (1+r)^(-n)]/r; multiply by the payment to get present value.
How do I use the table?: Find the cell for your rate and periods; multiply that factor by your periodic payment.
What rate format?: Rates are per period in percent (e.g. 5 for 5% per period).

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