PV Calculator | Financial Calculator

Calculation Type

Inputs

Future Value ($) The amount you expect to receive in the future.

Payment per Period ($) The equal payment received each period.

Lump Sum Offered ($) The one-time amount offered today.

Annuity Payment per Period ($) The recurring payment amount.

Annuity Duration (Years) How many years the annuity payments last.

Tax Adjustment

Enable to see how taxes affect the comparison. Enter your estimated effective tax rates.

Lump Sum Tax Rate (%) Total tax on the lump sum (federal + state). Enter 0 if rolling to an IRA.

Annuity Tax Rate (%) Effective tax rate on each annuity payment.

Investment Gains Tax Rate (%) Tax on investment returns if you invest the lump sum (e.g., 15% for long-term capital gains, 0% for tax-deferred accounts).

⚠️ These are simplified estimates. Tax treatment varies significantly by payout type (pension, lottery, settlement), state, and individual circumstances. Consult a tax professional for your specific situation.

Discount Rate (%) Annual rate used to discount future cash flows.

Compounding

Number of Years

Results

Present Value —

Future Value —

Total Interest (Discount) —

Effective Rate per Period —

📊 Showing after-tax values

💵 Lump Sum

Amount Offered —

Taxes Owed —

After-Tax Amount —

Present Value —

📅 Annuity

Total Payments —

Total Taxes —

After-Tax Total —

Present Value —

Better Option —

Advantage —

Breakeven Rate —

Value Over Time

Present Value Portion Interest (Discount)

Year-by-Year Breakdown

Year	Discount Factor	Present Value	Interest Portion