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PV Annuity Table

PVIFA table. Free online PV Annuity Table. Calculate pv annuity table online — fast, accurate, mobile-friendly, no signup needed.

PVIFA
7.721735

Derivation

  1. ├── 01Givenr = 5, n = 10
  2. ├── 02Formula{let t=e.r,a=e.n;return(1-(1+t / 100)^(-a)) / (t / 100)}
  3. ├── 03Substitute{let t=e.5,a=e.10;return(1-(1+t / 100)^(-a)) / (t / 100)}
  4. └── 04Compute PVIFA7.721735
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§01What is

Understanding the PV Annuity Table

The PV Annuity Table computes PVIFA from 2 inputs: rate (%), periods. PVIFA table.

Quick calculators for the math that shouldn’t need a notepad — instant, accurate, private to your browser. The PV Annuity Table sits in that toolkit — it PVIFA table. Enter your numbers above and the result updates instantly; every step of the math is shown in the Derivation panel so you can see exactly how the answer was reached.

§02The Formula

How it’s calculated

{let t=e.r,a=e.n;return(1-(1+t / 100)^(-a)) / (t / 100)}

Where

r
Rate (%)
n
Periods
§03Practical Example

Step-by-step walkthrough

Scenario

Apply the formula to a realistic set of inputs: Rate (%) = 5, Periods = 10.

  1. 01Start by noting the input — Rate (%): 5.
  2. 02Start by noting the input — Periods: 10.
  3. 03Substitute these values into the formula: {let t=e.r,a=e.n;return(1-(1+t / 100)^(-a)) / (t / 100)}
  4. 04Compute PVIFA: the calculator returns 7.72173.
  5. 05Cross-check the answer by opening the Derivation panel above — every line of math is shown so you can follow the computation end-to-end.
§04Variants

Common PV Annuity Table Problems

The formula gets rearranged depending on which variable you need. Here are the patterns you’ll run into in the real world — find the one that matches your problem and follow the worked steps.

01 · PATTERN

Rate (%) halved

r = 2.5 (from 5)

Keep every other input at its default and halve the rate (%). See how pvifa responds.

  1. 01New Rate (%): 2.5
  2. 02Baseline PVIFA: 7.72173
  3. 03New PVIFA: 8.75206
  4. 04PVIFA increases by 13.3% → use this sensitivity to plan for real-world variation.
02 · PATTERN

Rate (%) doubled

r = 10 (from 5)

Keep every other input at its default and double the rate (%). See how pvifa responds.

  1. 01New Rate (%): 10
  2. 02Baseline PVIFA: 7.72173
  3. 03New PVIFA: 6.14457
  4. 04PVIFA decreases by 20.4% → use this sensitivity to plan for real-world variation.
03 · PATTERN

Periods halved

n = 5 (from 10)

Keep every other input at its default and halve the periods. See how pvifa responds.

  1. 01New Periods: 5
  2. 02Baseline PVIFA: 7.72173
  3. 03New PVIFA: 4.32948
  4. 04PVIFA decreases by 43.9% → use this sensitivity to plan for real-world variation.
04 · PATTERN

Periods doubled

n = 20 (from 10)

Keep every other input at its default and double the periods. See how pvifa responds.

  1. 01New Periods: 20
  2. 02Baseline PVIFA: 7.72173
  3. 03New PVIFA: 12.4622
  4. 04PVIFA increases by 61.4% → use this sensitivity to plan for real-world variation.
§05FAQ

Frequently asked questions

Yes. The calculator implements the standard formula as documented and returns exact floating-point results. No approximations are used unless noted in the formula.
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