How do I simulate an annuity?

Open this page and use the live DCF Valuation tool below — set your inputs and the simulation runs instantly in your browser using real numerics. No install, no account needed.

Yes. The simulation runs free in your browser. A one-time unlock or a Pro plan adds advanced parameters, saved presets, data import, and clean exports.

Can I use my own numbers?

Absolutely — every input is adjustable, and with data import you can drive an annuity from your own measurements.

Use case · powered by DCF Valuation

DCF Valuation for an annuity

Simulate an annuity live in your browser. This runs the real DCF Valuation solver — adjust the inputs, watch it respond instantly, and export the result. No install, no account.

For:Students Researchers Educators Engineers Hobbyists & Makers K-12 Students First Responders

DCF ValuationLive

what future cash is worth today

Controls

Presets

Year-1 cash flow ($)

Growth rate (%)

Discount rate (%)

Terminal growth (%)

Forecast years

Discounted cash flow values a business as the present worth of all its future cash. Distant cash is worth less because of the discount rate, and a terminal value captures everything beyond the forecast horizon. Educational tool, not financial advice.

▶ Run in Python

Data Inspector

PV of forecast$905

Terminal value (PV)$1225

Total valuation$2130

Governing equation

V = t = 1 \sum 10 \frac{F C F _{t}}{( 1 + r ) ^{t}} + \frac{T V}{( 1 + r ) ^{10}}, r = 0.10, T V = $1225

Reading this result: A 2.0-point gap between discount and growth shrinks each later year of present value; the terminal still accounts for 57% of the total.

Runs locally in your browser — free forever. Scale to the cloud when reality gets heavy.

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About this simulation

The full DCF Valuation tool models an annuity with the same numerics engineers and scientists use — running entirely client-side. Change any parameter and the result updates in real time, so you can build intuition, check a design, or teach the concept without spreadsheets or installs.

More you can do with DCF Valuation

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Other ways to simulate an annuity

Black-Scholes for an annuity Option Payoff for an annuity Monte Carlo (GBM) for an annuity Efficient Frontier for an annuity Value at Risk for an annuity Bond Pricing for an annuity

Frequently asked questions

How do I simulate an annuity?: Open this page and use the live DCF Valuation tool below — set your inputs and the simulation runs instantly in your browser using real numerics. No install, no account needed.
Is it free?: Yes. The simulation runs free in your browser. A one-time unlock or a Pro plan adds advanced parameters, saved presets, data import, and clean exports.
Can I use my own numbers?: Absolutely — every input is adjustable, and with data import you can drive an annuity from your own measurements.