Present Value Calculator
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yrs
A present value calculator discounts a future sum or stream of payments back to today's equivalent value using a discount rate. Higher discount rates make future money worth less today.
- 1PV = FV / (1 + r)ⁿ
- 2PV of annuity = PMT × [1−(1+r)^−n] / r
- 3r = discount rate per period; n = number of periods
- 4Discount rate reflects time preference and risk
Receive $10,000 in 5 years, discount rate 6%=PV = $10,000 / 1.06⁵ = $7,473 today
| Discount rate | 5 years | 10 years | 20 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 |
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