DEFINITION of 'Annuity Table'
A method for determining the present value of a structured series of payments. The annuity table provides a factor, based on time and a discount rate, by which an annuity payment can be multiplied to determine its present value. For example, an annuity table could be used to calculate the present value of an annuity that paid $10,000 a year for 15 years if the interest rate is expected to be 3\%. Financial calculators and computer software can also be used for this purpose.
BREAKING DOWN 'Annuity Table'
A lottery winner could use an annuity table to determine whether it made more financial sense to take his lottery winnings as a lumpsum payment today or as a series of payments over many years. Lottery winnings are a rare form of annuity; more commonly, annuities are a type of investment used to provide individuals with a steady income in retirement.

Delayed Annuity
An annuity in which the first payment is paid at a later date ... 
Annuity
A financial product that pays out a fixed stream of payments ... 
Deferred Payment Annuity
An annuity where the payments received will start some time in ... 
Annuity In Advance
An amount of money that is regularly paid at the beginning of ... 
Valuation Period
The time between the end of the business day of the first business ... 
Ordinary Annuity
A series of equal payments made at the end of each period over ...

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For what types of financial instruments would I want to calculate the present value ...
Learn about the types of financial instruments the present value of an annuity calculation is most useful for, including ... Read Answer >> 
What is the difference between the present value of an annuity and the future value ...
Find out about the difference between the future value and present value of a fixed annuity, including how to use these calculations ... Read Answer >> 
What are the risks of annuities in a recession?
Distinguish between the most common types of annuities, and understand which types of annuities pose the most risk during ... Read Answer >> 
What are the main kinds of annuities?
Learn about the four basic types of annuities, and why the different investment and payout options are suitable for different ... Read Answer >> 
Why would I need to calculate the present value of an annuity?
Find out what information is needed to calculate the present value of an annuity, including an example of the present value ... Read Answer >> 
How do I calculate the future value of an annuity?
Find out how to calculate the future value of an ordinary annuity or an annuity due, including how the power of compounding ... Read Answer >>