NPV (Net Present Value)
Calculate the net present value (NPV) of a constant annual cash inflow minus an upfront capital outlay.
Open calculatorAnnuity payout / loan payment
Standard monthly annuity formula (n = years × 12, r = annual rate / 12). Works both for drawing down a retirement pot in equal monthly payouts and for amortising a fixed-rate loan.
Starting savings balance or principal borrowed.
Number of years over which the balance is paid down to zero.
Nominal annual interest rate in percent.
%
Monthly payout / instalment
2,149
Total paid over term
515,830
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At the end of the selected term, the balance plus accrued interest reaches exactly zero.
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Educational estimate only. Not medical, tax, legal or financial advice.