The Handbook of Capital Recovery (CR) Factors provides an easy method to calculate an annuity (payment in arrears). For negative and positive interest rates and periods up to 40 years this handbook contains the capital recovery factors. You have just to multiply the cash flow (present value) with the relevant factor to find the annuity.

Prof. Dr. Lars Jäger, Professor of Investment and Finance (Corporate Finance), University of Applied Sciences Worms, Germany.