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Present Value Calculator

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Ano ang 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.

Pormula

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

Paliwanag ng variable

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Simbolo	Pangalan	Yunit	Paglalarawan
PV	Present Value	currency	—
FV	Future Value	currency	—
r	Discount rate	%	—
n	Time periods	—	—

Paano Present Value Calculator

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

Mga Nalutas na Halimbawa

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Halimbawa 1

Ibinigay:Receive $5,000 in 5 years, discount rate 6%

Resulta:PV = $5,000 / 1.06⁵ = $5,000/1.3382 = $3,736

Mga praktikal na gamit

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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 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

Mga madalas itanong

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What's the time value of money?

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

What discount rate should I use?

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

How is PV used in investing?

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

Mga Sanggunian

›Present value — Investopedia

Para sa layunin ng impormasyon lamang. Ang tool na ito ay hindi bumubuo ng financial na payo. Kumonsulta sa isang kwalipikadong financial adviser bago gumawa ng mga desisyon sa pamumuhunan o pinansiyal.

Ikumpara Sa

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Present Value vs Future Value

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Annuity vs Lump Sum

Mathematically verified

Reviewed October 2026

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