Present Value Calculator
This present value calculator shows how much a future sum of money is worth today, given a discount rate — the reverse of compound growth. Enter the future amount, rate and time period to see its value in today's terms.
The amount you'll receive (or need) at a future date.
The annual rate used to discount future money back to today's value — often your expected investment return or cost of capital.
How many years until the future value is received.
Present value
सेव करने के लिए लॉग इन करें$1,341
What that future amount is worth today, at your discount rate.
Frequently asked questions
What discount rate should I use?+
A common approach is your realistic alternative investment return — if you could otherwise earn 6% investing elsewhere, use 6% as your discount rate when evaluating whether a future payment is a good deal.
Why is present value always less than future value?+
Because money available today can be invested and grow — receiving the same amount later means missing out on that growth, so the future amount must be 'discounted' down to reflect what it's genuinely worth in today's terms.
Can I use this to evaluate a lottery lump-sum offer?+
Yes — compare the lump-sum offer to the present value of the full annuity payout at a realistic discount rate; if the lump sum is smaller than this calculator's present value, the annuity option is arguably the better deal (before taxes and personal circumstances).
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