Annuitätenformeln

Annuitätenformeln are mathematical formulas used in finance to calculate the value of a series of equal payments made at regular intervals. These payments are known as annuities. The core concept behind these formulas is the time value of money, which states that a sum of money is worth more now than the same sum will be in the future due to its potential earning capacity.

There are two primary types of annuitätenformeln: one for calculating the present value of an annuity and another for calculating the future value of an annuity. The present value formula determines how much a stream of future payments is worth today. This is crucial for valuing investments, loans, and pensions. It discounts each future payment back to the present using an interest rate.

The future value formula calculates how much a series of regular payments will be worth at a specific point in the future, assuming they earn a certain rate of interest. This is useful for planning savings goals, like retirement or the purchase of a large asset. Both formulas typically require the payment amount, the interest rate per period, and the number of periods.

Variations exist for annuities due, where payments are made at the beginning of each period, as opposed to ordinary annuities where payments are made at the end of each period. These formulas are fundamental tools for financial planning, investment analysis, and loan amortization schedules.