Present Value Calculator
What is a future payment really worth today? This free calculator discounts a single future amount — or a series of future payments — back to its present value, so you can compare investments, loans and lump sums on equal terms.
Result
Enter values to see the result.
How to use
- Fill in the fields above with your own figures — results update live as you type.
- For a single amount, present value is the future amount divided by (1 + rate) raised to the periods. For a series, the annuity formula is used.
- Check the result box and adjust any rate or parameter to test other cases.
Tips
- A higher discount rate shrinks present value fast — test a few rates to see the range.
- Compare offers with the same rate and timing, or the comparison means nothing.
- For annuities, check whether payments are at the start or end of each period — it changes the answer.
Note: Uses standard time value of money formulas. The discount rate is your own assumption.