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वित्त

Present Value Calculator

वर्तमान मूल्य कैलकुलेटर

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We're working on a comprehensive educational guide for the Present Value Calculator in your language. The content below is shown in English.

क्या है Present Value Calculator?

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A present value calculator discounts a future cash flow or annuity back to its current worth, accounting for the time value of money at a given discount rate.

PrimeCalcPro provides professional-grade tools trusted by businesses and academics.

सूत्र

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f(x)PV = FV / (1 + r)ⁿ; PV of annuity = PMT × [(1 − (1+r)⁻ⁿ) / r]

चर विवरण

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प्रतीकनामइकाईविवरण
PVPresent Valuecurrency—
FVFuture Valuecurrency—
rDiscount rate%—
nTime periods——

कैसे Present Value Calculator

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  1. 1PV = FV / (1 + r)ⁿ
  2. 2PV of annuity = PMT × [1−(1+r)^−n] / r
  3. 3Higher discount rate = lower present value
  4. 4Used for investment decisions, bond pricing, and project appraisal

हल किए गए उदाहरण

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उदाहरण 1
दिया गया:Receive $5,000 in 5 years, discount rate 6%
परिणाम:PV = $5,000 / 1.06⁵ = $5,000/1.3382 = $3,736

वास्तविक अनुप्रयोग

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Investment valuation and capital budgeting

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Lottery jackpot present value

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Lease vs buy decisions

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Pension and annuity valuations

Present Value of $10,000

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Discount rate5 years10 years20 years
3%$8,626$7,441$5,537
6%$7,473$5,584$3,118
9%$6,499$4,224$1,784
12%$5,674$3,220$1,037

अक्सर पूछे जाने वाले प्रश्न

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Q

What's the time value of money?

A

$100 today > $100 in 5 years. Can invest today's money and earn returns.

Q

What discount rate should I use?

A

Often your cost of capital or expected return. 5-10% typical for personal finance. Business: WACC.

Q

How is PV used in investing?

A

Evaluate if future cash flows justify today's cost. If calculated PV > cost, invest. If < cost, reject.

संदर्भ

केवल सूचनात्मक उद्देश्यों के लिए। यह उपकरण वित्तीय सलाह नहीं है। निवेश या वित्तीय निर्णय लेने से पहले एक योग्य वित्तीय सलाहकार से परामर्श करें।
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Mathematically verified
Reviewed October 2026
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