**IMPORTANT:** Numeric entry fields must not contain dollar signs, percent signs, commas, spaces, etc. (only digits 0-9 and decimal points are allowed).

Click the **Terms** tab above for a more detailed description of each entry.

#### Step #1:

Select the annuity type.

#### Step #2:

Choose whether you want to enter a future lump sum or a payment amount, and enter the corresponding amount.

#### Step #3:

Select the frequency of the payment or withdrawal.

#### Step #4:

Enter the number of years to calculate present value for.

#### Step #5:

Enter the discount rate.

#### Step #6:

Click the "Calculate Present Value" button. This will display the present value of the annuity, the total payments/withdrawals, the interest earned or paid, and a year-by-year annuity chart.

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