Calculates the compounded value of all annuity payments at the end of the term.
Present Value
Calculates the present value of all future annuity payments at a specific valuation date (t=0 or later).
Valuation Date
Discounting
ℹ️ Notes on CSV upload (location & format)
Location: The file must be stored locally on your computer (or a drive connected to it); please download online files first. The file is processed only in your browser and is not uploaded anywhere.
Structure: first row = header (skipped), then one row per grid point: column 1 term in years, column 2 zero rate in percent p.a. (e.g. 2.5 for 2.5 %, not 0.025).
Separator: semicolon, comma or tab (detected from the header). A decimal comma is allowed with semicolon/tab.
Between grid points rates are interpolated linearly; before the first and after the last grid point that point's rate applies constantly. For long annuities, therefore, provide terms up to the end of the annuity.
Template: under “Example yield curve” each example curve can be downloaded as CSV.
Alternatively market_data.csv (here only): header with columns such as EUR_Zero_3M, EUR_Zero_1Y … USD_Zero_10Y; first column date, one row per day. Choose currency and day (first/last) above.
Term (Years)
Rate (%)
Action
Example Yield Curve Loaded
Term (Years)
Rate (%)
Perpetuity
Calculates the sustainable withdrawal rate from capital or the required capital for a desired rate — without depleting capital (interest income covers the payments).
Dynamic Annuity
Calculates annuities with growing payments — either with a constant growth rate (geometric) or a constant increment (arithmetic).
Growth Parameters
Present Value Assessment
ℹ️ Notes on CSV upload (location & format)
Location: The file must be stored locally on your computer (or a drive connected to it); please download online files first. The file is processed only in your browser and is not uploaded anywhere.
Structure: first row = header (skipped), then one row per grid point: column 1 term in years, column 2 zero rate in percent p.a. (e.g. 2.5 for 2.5 %, not 0.025).
Separator: semicolon, comma or tab (detected from the header). A decimal comma is allowed with semicolon/tab.
Between grid points rates are interpolated linearly; before the first and after the last grid point that point's rate applies constantly. For long annuities, therefore, provide terms up to the end of the annuity.
Template: under “Example yield curve” each example curve can be downloaded as CSV.