How to use the Present Value Calculator
Enter the future value, annual discount rate and years and the result appears straight away. Everything runs in your browser, so nothing you type is uploaded.
How it works
Calculated from the inputs shown in this tool.
Examples
- 10,000 in 5 years at 5%
Present value: 7,835.26
- 10,000 in 10 years at 5%
Present value: 6,139.13
- 50,000 in 20 years at 7%
Present value: 12,920.95
Limitations and assumptions
Confirm assumptions, units and applicable local rules before relying on results. Detailed content, accessibility and edge-case review remains ongoing.
Frequently asked questions
What is the present value formula?
PV = FV ÷ (1 + r)^n.
What discount rate should I use?
The return you could earn on an alternative investment of similar risk.
Why is present value lower than the future amount?
Money available today can earn a return, so a dollar later is worth less.
How do I go the other way?
Use the compound interest calculator.