Present Value Calculator
What future money is worth today.
Enter your values
ⓘ Live results
Results
- Present value
- $27,919.74
- PV of lump sum
- $27,919.74
- PV of payment stream
- $0.00
- Discount applied
- $22,080.26
- Discount factor
- 0.5584
Quick answer
Present value discounts future money by the return you could otherwise earn, showing what it is worth right now.
PV = FV ÷ (1 + r)^n
How to use the Present Value Calculator
- 1Enter the future amount you expect.
- 2Set your discount rate.
- 3Enter how many years away it is.
Worked example
Using the values the calculator loads with:
Inputs
- Future amount50000 $
- Discount rate6 %
- Years away10
- Annual payment instead0 $
Results
- Present value$27,919.74
- PV of lump sum$27,919.74
- PV of payment stream$0.00
- Discount applied$22,080.26
- Discount factor0.5584
Frequently asked questions
Why discount at all?
Money today can be invested, so future money is worth less.
What rate should I use?
Your realistic alternative return, or your cost of capital for business decisions.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.