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P = PMT [(1 - (1 / (1 + r) n)) / r] Where: P = The present value of the annuity stream to be paid in the future. PMT = The amount of each annuity payment. r = The interest rate. n = The number of periods over which payments are made PVIF table creator. Create a table of present value interest factors for $1, one dollar, based on compounding interest calculations. Present value of a future value of $1. Compound interest formula to find present values PV = $1/(1+i)^n.

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