Present Value Calculator
Find out what a future amount is worth today.
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Present Value
$0
Interest/Growth
$0
Discount Factor
0.000
Present Value Formula
PV = FV / (1 + r/n)^(n×t) PV = Present value (what you need today)
FV = Future value (target amount)
r = Annual discount rate
n = Compounding periods per year
t = Time in years
Use Cases
Retirement Planning
How much do you need to invest today to have $1M in 30 years?
Investment Comparison
Compare the true value of cash flows at different times.
Project Valuation
Evaluate future returns in today's dollars.
Lottery/Settlement
Choose between lump sum now vs payments over time.
Perguntas frequentes
What is present value?
Present value is today's value of a future sum of money, discounted at a specific rate of return.
Why is present value important?
It helps compare investments with different timing, evaluate opportunities, and understand the time value of money.
What discount rate should I use?
Use your required rate of return, opportunity cost, or inflation rate depending on the analysis.