Present Value Calculator
Find what a future amount is worth in today's money at a given discount rate — the core calculation behind every investment decision.
Present value
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How it works
PV = FV ÷ (1 + r)ᵗFrequently Asked Questions
What is present value?
The amount you would need today, growing at the discount rate, to equal a future sum. $50,000 due in 10 years is worth about $30,700 today at a 5% rate.
What discount rate should I use?
Use the return you could realistically earn elsewhere: a savings rate for safe money, an expected portfolio return for investments, or an inflation rate to find purchasing power.
Why does present value matter?
It converts money at different times onto one honest scale. Comparing a lump sum today against payments later, or valuing a pension buyout, is impossible without it.