learn.howToCalculate
learn.whatIsHeading
Present Value (PV) calculates what a future sum of money is worth today, given a discount rate. It answers: "How much do I need to invest today to have $X in the future?" It is the inverse of future value and the cornerstone of financial valuation.
단계별 가이드
- 1PV of lump sum: PV = FV / (1 + r)^n
- 2PV of annuity: PV = PMT × (1 − (1+r)^(−n)) / r
- 3Higher discount rates reduce present value (future money is worth less)
- 4The discount rate often represents opportunity cost or inflation
풀어진 예시
입력
$100,000 needed in 10 years, 7% discount rate
결과
PV = $50,835
You need $50,835 today invested at 7%
입력
$1,000/year for 20 years at 6%
결과
PV = $11,470
The lump sum equivalent of that annuity
계산할 준비가 되셨나요? 무료 Present Value 계산기를 사용해 보세요
직접 시도해 보세요 →