Present Value Calculator
Calculate the present value of a future sum of money. Understand how much a future payment is worth today given a specific discount rate.
Amount you'll receive in the future
Annual interest/discount rate
Present Value
$50,835
What $100,000 is worth today
Total Discount
$49,165
49.2% discount
Calculation Details
Present Value
$50.8K
Discount %
49.2%
Growth Multiple
1.97x
Present Value Formula:
PV = FV / (1 + r/n)^(n×t)
Where r = rate, n = compounding frequency, t = years
Investment Insight
To receive $100,000 in 10 years, you need to invest $50,835 today at 7% return.
Common Uses for Present Value
Investment Valuation
Value future returns to compare investment opportunities
Loan Comparison
Compare loans with different terms and payment schedules
Retirement Planning
Determine how much to save today for future goals
Business Decisions
Evaluate capital projects and business acquisitions
Frequently Asked Questions
Official References
Learn more about time value of money calculations:
- Understanding Present Value
Comprehensive guide to present value concepts and calculations
This calculator assumes constant interest rates. Actual returns may vary.