{
  "id": "annuity-on-loan-table-creator",
  "version": "1.0.0",
  "name": "Annuity on Loan Table Creator",
  "shortName": "Annuity on Loan Table Creator",
  "description": "Create an equal-payment loan amortization table for an ordinary annuity or annuity due.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "annuity",
    "on",
    "loan",
    "table",
    "creator",
    "annuity on loan table creator"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/annuity-on-loan-table-creator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "1.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-09-01",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/annuity-on-loan-table-creator/",
    "definition": "/calculator/annuity-on-loan-table-creator/definition.json",
    "schema": "/calculator/annuity-on-loan-table-creator/schema.json",
    "llms": "/calculator/annuity-on-loan-table-creator/llms.txt",
    "legacyDefinition": "/calculator/annuity-on-loan-table-creator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/annuity-on-loan-table-creator/?principal=25000&annualRate=7.5&paymentsPerYear=12&years=4&paymentTiming=end",
  "queryParameters": {
    "principal": {
      "label": "Loan amount",
      "type": "money",
      "required": true,
      "default": 25000
    },
    "annualRate": {
      "label": "Annual nominal interest",
      "type": "percent",
      "required": true,
      "default": 7.5
    },
    "paymentsPerYear": {
      "label": "Payments per year",
      "type": "number",
      "required": true,
      "default": 12
    },
    "years": {
      "label": "Term in years",
      "type": "number",
      "required": true,
      "default": 4
    },
    "paymentTiming": {
      "label": "Payment timing",
      "type": "select",
      "required": true,
      "default": "end"
    }
  },
  "inputs": [
    {
      "id": "principal",
      "label": "Loan amount",
      "type": "money",
      "required": true,
      "defaultValue": 25000,
      "min": 0.01,
      "step": 100
    },
    {
      "id": "annualRate",
      "label": "Annual nominal interest",
      "type": "percent",
      "required": true,
      "defaultValue": 7.5,
      "min": 0,
      "max": 100,
      "step": 0.01
    },
    {
      "id": "paymentsPerYear",
      "label": "Payments per year",
      "type": "number",
      "required": true,
      "defaultValue": 12,
      "min": 1,
      "max": 365,
      "step": 1
    },
    {
      "id": "years",
      "label": "Term in years",
      "type": "number",
      "required": true,
      "defaultValue": 4,
      "min": 0.01,
      "max": 100,
      "step": 0.25
    },
    {
      "id": "paymentTiming",
      "label": "Payment timing",
      "type": "select",
      "required": true,
      "defaultValue": "end",
      "options": [
        {
          "label": "End of each period (ordinary)",
          "value": "end"
        },
        {
          "label": "Beginning of each period (annuity due)",
          "value": "begin"
        }
      ]
    }
  ],
  "outputs": [
    {
      "id": "payment",
      "label": "Periodic payment",
      "format": "currency",
      "primary": true
    },
    {
      "id": "totalInterest",
      "label": "Total interest",
      "format": "currency"
    },
    {
      "id": "totalPaid",
      "label": "Total of payments",
      "format": "currency"
    },
    {
      "id": "paymentCount",
      "label": "Number of payments",
      "format": "integer"
    },
    {
      "id": "effectiveAnnualRate",
      "label": "Effective annual rate",
      "format": "percent",
      "digits": 6
    }
  ],
  "formula": {
    "expression": "payment = PV × i ÷ [1 − (1+i)^−n], adjusted by ÷(1+i) for beginning-of-period payments"
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "principal": 25000,
        "annualRate": 7.5,
        "paymentsPerYear": 12,
        "years": 4,
        "paymentTiming": "end"
      }
    }
  ],
  "sources": []
}