How do I calculate my annuity payments? | Cox Financial

How do I calculate my annuity payments?

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ANNUITY PAYMENT CALCULATOR

Depending on how it’s structured, the present value of your annuity either increases or decreases as time passes.  For example, if you have an immediate annuity and are currently receiving regular payments, then the present value of your annuity decreases over time.  This simply means, as time passes, the smaller lump sum of cash you’ll receive when you decide on an annuity buyout.  However, if you have a deferred annuity, or future lump sum payment(s) as part of your annuity, then the present value of your annuity is increasing over time.

To find the present value of your annuity, use the calculator above to show you how you can calculate your annuity payments with an easy step-by-step process. Just remember the present value of your annuity constantly changes with time, so be sure to use the annuity payment calculator at least once a month to check the updated present value.  Or, create a free account now to receive period automatic updates informing you of the present value of your annuity.

WHAT DOES PRESENT VALUE OF ANNUITY MEAN?


Simply put, the present value of your annuity is how much your annuity is worth today.

WHAT DOES THE ANNUITY PAYMENT CALCULATOR TELL ME?


The annuity payment calculator tells you the present value of your annuity.  The present value of your annuity is determined using the current government rate for determining the present value of annuities.  This government rate changes every month and could either increase or decrease the present value of your annuity.

WHAT IS AN IMMEDIATE ANNUITY?


Definition of an immediate annuity: Annuity in which regularly scheduled payments start immediately.

Example: Monthly payments of $1,000.00 guaranteed payable for 30 years, payments starting January 10, 2016, with the last guaranteed payment on December 10, 2046

WHAT IS A DEFERRED ANNUITY?


Definition of a deferred annuity: Annuity in which regularly scheduled payments do not start until a specified time in the future.

Example: Monthly payments of $2,000.00 guaranteed payable for 10 years, payments starting January 10, 2026, with the last guaranteed payment on December 10, 2036