Two methods
Supports both compound (Leibniz) and simple (Hoffman) discounting.
Finance Tool
年金现值计算机 — 莱布尼兹·霍夫曼方式
输入月付款、期限和折扣率，以复利（莱布尼兹）或单利（霍夫曼）方式计算年金现值。
Present Value (Annuity) Calculator
Calculate the present value of future periodic payments using compound (Leibniz) or simple interest (Hoffman) discounting.
Commonly used in finance and insurance
Korean court standard: 5%
* Leibniz: PV = PMT × [(1 - (1+i)^-n) / i] | Hoffman: PV = Σ PMT / (1 + r × k/12)
What is the present value (annuity) calculator?
It converts future periodic payments (annuities, compensation, etc.) into their value today. Choose compound-interest (Leibniz) or simple-interest (Hoffman) discounting.
How to use
- 1 Enter the monthly or annual payment.
- 2 Set the payment period.
- 3 Choose the discount rate and method (Leibniz/Hoffman).
- 4 Review the total present value.
Highlights
Compensation & pensions
Useful for valuing lost income, retirement annuities, and other future cash flows.
Instant result
Present value is computed as soon as you enter values.
常见问题
What is present value?+
It is the value today of money to be received in the future, discounted by a rate — reflecting the time value of money.
Leibniz vs Hoffman?+
Leibniz discounts with compound interest; Hoffman with simple interest. Both are used in compensation practice.
How do I choose the discount rate?+
It depends on the purpose (statutory rate, market rate, etc.). Pick the rate appropriate to your standard.
Related calculators
This calculator is for reference only. Actual valuation depends on the discount rate, court standards, and taxes. Consult a professional for accuracy.