Annuity Due Calculator

An annuity due pays at the beginning of each period instead of the end. Because every payment compounds one period longer, its present and future values both exceed the ordinary annuity's. At its core the tool evaluates PV(due) = PMT × (1 − (1+r)^−n) ÷ r × (1 + r). A 1,500 monthly payment for 5 years at 6% (r = 0.005, n = 60) values at 77,588 as an ordinary annuity but 77,588 × 1.005 = 77,976 as an annuity due — rent contracts and leases price this difference. Adjust any field and the outputs recompute immediately, so you can test as many scenarios as you like in the units you prefer.

1. 1

   Step 1

   Gather the numbers the Annuity Due Calculator needs and type them in.

2. 2

   Step 2

   The engine evaluates PV(due) = PMT × (1 − (1+r)^−n) ÷ r × (1 + r) instantly as you type.

3. 3

   Step 3

   Check the output and its unit before using it.

4. 4

   Step 4

   Repeat with different inputs to test alternatives.

• Applying the ordinary formula

• Period mismatch

• Double-adjusting