Present Value of Annuities
Annuity-immediate, annuity-due, deferred, increasing/decreasing annuities. Supports any interest rate, payment frequency, and term.
Try: “PV of annuity-immediate, $1,000/yr, i=5%, n=10”
Actuarial Calculator
Free Online Actuarial Calculator
Calculate present values, reserves, IBNR, mortality rates, pension costs, and risk measures instantly. Every result is executed through Python + SymPy and includes the complete derivation — no black box, no guessing.
Open Calculator →Calculation Types
Life Insurance Reserves
Net premium reserves, gross premium reserves, prospective and retrospective methods. Supports standard mortality tables (CSO, RP-2014).
Try: “Net single premium, whole life on (35), benefit $100k, i=4%”
Loss Reserving & IBNR
Chain Ladder, Bornhuetter-Ferguson, Cape Cod, and paid-incurred methods. Upload loss triangles or enter data directly.
Try: “Chain Ladder IBNR from a loss development triangle”
Bond Pricing & Duration
Bond price, yield to maturity, Macaulay duration, modified duration, convexity. Supports callable bonds and varying coupon structures.
Try: “Price of 10-year bond, 6% coupon, yield 5.5%, semi-annual”
Loan Amortization
Outstanding balance, principal/interest breakdown, sinking fund schedules. Level payment and custom amortization.
Try: “Loan of $50,000 over 20yrs at i=5% — balance after payment 10?”
Mortality & Survival
Life table lookups, survival probabilities, curtate/complete expectation of life, force of mortality. De Moivre, Gompertz, Makeham models.
Try: “Calculate 20p40 using de Moivre with w=100”
Pension Funding
Entry Age Normal, Projected Unit Credit, aggregate cost method, unfunded liability, normal cost calculations.
Try: “EAN normal cost for DB pension, salary $80k, age 35, retirement 65”
Risk Measures
Value at Risk (VaR), Tail VaR (TVaR/CVaR), Expected Shortfall at various confidence levels. Supports parametric and empirical methods.
Try: “VaR and TVaR at 99.5% for lognormal(10, 0.5)”
Why Actua vs Spreadsheets
Traditional actuarial work relies on Excel models that are error-prone, hard to audit, and slow to build. Actua generates the calculation, the formula, and the Python code in seconds — with every assumption stated explicitly and every intermediate step shown.
The results are deterministic: the same question always produces the same answer, executed by a real computation engine (not an LLM making arithmetic guesses). You get the LaTeX derivation for documentation, the Python code for reproducibility, and Excel formulas for integration into existing workflows.
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