Present Value Calculator
Find today’s worth of a future amount.
Runs locally in your browser — your numbers never leave this pageTry: Future value=10000, Rate / period=5, Periods=8 → $10,000, 5.00%, 8, $6,768
How to use
Present value discounts a future sum by the rate you could otherwise earn. It is the reverse of future value and underpins bond and NPV math.
Formula
PV = FV / (1 + r)n
FAQ
Why is future money worth less?
Because you could invest today’s money and earn a return, so a future dollar is discounted by that opportunity cost.
What rate should I use?
Use a safe alternative return, such as a bond yield or your required rate of return.
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