Present value calculator
Calculator
The calculator needs JavaScript. The tables below give the same numbers for common cases.
How it is worked out
- PV = FV ÷ (1 + r)^n = $10,000.00 ÷ 1.62889463 = $6,139.13.
| Inputs | Answer |
|---|---|
| Future value: 10000; Discount rate per period: 5; Number of periods: 10 | $10,000.00 received after 10 periods is worth $6,139.13 today at 5% per period. |
| Future value: 50000; Discount rate per period: 3; Number of periods: 20 | $50,000.00 received after 20 periods is worth $27,683.79 today at 3% per period. |
| Future value: 1000; Discount rate per period: 10; Number of periods: 5 | $1,000.00 received after 5 periods is worth $620.92 today at 10% per period. |
How to use it
Present value discounts a future amount back to today: PV = FV ÷ (1 + r)^n. $10,000 received in 10 years, discounted at 5% a year, is worth about $6,139 today.
A higher discount rate or a longer wait makes the present value smaller. Use the same time unit for the rate and the periods. These are estimates from the numbers you type, not financial advice or an offer; real products add fees and change rates.
Frequently asked questions
What is present value?
The value today of money you will receive later, after discounting for time.
What discount rate should I use?
The return you could earn elsewhere or your required return; you enter it.
How is it related to future value?
It is the inverse: FV = PV × (1 + r)^n.
Method: standard arithmetic shown step by step; no outside data is used. Checked 2026-11-12.
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General information only. Results are plain arithmetic on the numbers you enter; check anything important (money, health, school work) against your own records or the official source.