[Verse 1] Sarah gets paid every month for twenty years straight Same amount landing, compound interest can't wait Present value whispers what it's worth today Discount each payment, watch the magic display Ordinary annuity, payments at the end Future value climbs as time extends [Chorus] PMT times the factor, don't forget the rate One minus one plus i to the negative n, calculate Divide by i for present, multiply for future state Annuities due shift forward, don't be late Payment streams forever, perpetuity's gate Just PMT over i, sealed by fate [Verse 2] Annuity due means payments start right now First installment hits before the year's bow Add one period to your calculation dance Present value higher with this advance Car lease, rent deposits, insurance paid ahead Beginning payments boost what's truly spread [Chorus] PMT times the factor, don't forget the rate One minus one plus i to the negative n, calculate Divide by i for present, multiply for future state Annuities due shift forward, don't be late Payment streams forever, perpetuity's gate Just PMT over i, sealed by fate [Bridge] Perpetual dividends from preferred stock shares Endless scholarship funds, university cares No maturity date, payments never cease Formula simplified brings financial peace Growing perpetuity adds a twist Subtract growth rate, can't be missed [Verse 3] Time value of money rules every stream Compounding frequencies fulfill the dream Monthly, quarterly, annually we calculate Interest factors determine payment fate Excel functions PVIFA, FVIFA Spreadsheet shortcuts make the numbers clearer [Chorus] PMT times the factor, don't forget the rate One minus one plus i to the negative n, calculate Divide by i for present, multiply for future state Annuities due shift forward, don't be late Payment streams forever, perpetuity's gate Just PMT over i, sealed by fate [Outro] Financial planning built on payment streams Present future values fulfill accounting dreams
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