Annuity present value API

Compute the present value of an annuity using the canonical formula PV = PMT·(1−(1+i)^−n)/i (immediate or annuity-due), with the nominal total of payments. Deterministic time-value math. Answers 'present value of an annuity', 'lump sum needed for monthly income', 'PV of a payment stream', 'what is a pension worth today'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-annuity-present-value

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsuranceannuitypresent-valuepvtime-valuepensionactuarial

API URLhttps://x402.hexl.dev/v1/calc/ins-annuity-present-value

Integration docs

Example request

{
  "payment": 2000,
  "annualRate": 0.04,
  "years": 20,
  "paymentsPerYear": 12
}

Example response

{
  "method": "present value of annuity (PV = PMT·(1−(1+i)^−n)/i)",
  "presentValue": 330043.72,
  "totalPayments": 240,
  "totalNominal": 480000,
  "inputs": {
    "payment": 2000,
    "annualRate": 0.04,
    "years": 20,
    "due": false
  }
}

Input schema

{
  "type": "object",
  "required": [
    "payment",
    "years"
  ],
  "properties": {
    "payment": {
      "type": "number",
      "examples": [
        2000
      ]
    },
    "annualRate": {
      "type": "number",
      "examples": [
        0.04
      ],
      "description": "decimal, default 0"
    },
    "years": {
      "type": "number",
      "examples": [
        20
      ]
    },
    "paymentsPerYear": {
      "type": "number",
      "examples": [
        12
      ],
      "description": "default 12"
    },
    "due": {
      "type": "boolean",
      "examples": [
        false
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}