Present value answers a core finance question: how much is a future sum of money worth to you today. Because money can earn a return, a dollar received years from now is worth less than a dollar in hand, and present value discounts that future amount back using a chosen discount rate. This calculator takes a future value, an annual discount rate, and the number of years or periods, and applies the standard present value formula to show what that future payoff is worth right now. It also displays the total discount, the gap between the future amount and its present value. Use it to compare offers paid at different times, value a future windfall, or decide whether a delayed payment is worth waiting for. Everything is computed in your browser.
Present value answers a core finance question: how much is a future sum of money worth to you today. Because money can earn a return, a dollar received years from now is worth less than a dollar in hand, and present value discounts that future amount back using a chosen discount rate.
Yes. Present Value Calculator is completely free, with no sign-up and no usage limits.
Yes. Present Value Calculator runs in any modern web browser. There is nothing to download or install.
Yes. Present Value Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.