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Calculators · Financial

Present value calculator

Find out what a future sum of money is worth today, given a rate of return and the time between the two dates.

Runs in your browser No signup Free forever
Present date
Future date
Future value dollars
$
Rate of return
%

Enter your dates and value, then calculate — the present value will appear here.

$0
Time span
0 years
Future value
$0
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How it works

Two steps, no account

1

Set your two dates

The calculator defaults to today and five years out — change either to match your actual timeline.

2

Enter the future value

The amount you'd receive on the future date, discounted back to what it's worth today at your chosen rate of return.

FAQ

Common questions

What formula does this use?
PV = FV ÷ (1 + r)^t — future value divided by one plus the rate of return, raised to the number of years between the two dates.
Why would I need to know present value?
It lets you compare a future payout against a present-day alternative on equal footing — for example, deciding whether a lump sum today or a larger amount paid out later is the better deal, once you account for what you could earn investing the money in the meantime.
Is my financial information sent anywhere?
No. All calculations run locally in your browser — nothing is transmitted, logged, or stored.
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Investment yield calculator The reverse question: what rate did an investment actually earn?
Savings growth calculator Run the same math forward from today.
Retirement calculator A longer-horizon version of the same discounting idea.
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Present Value Calculator

Money is worth more today than it is in the future due to inflation and potential earnings. This calculator helps you determine the Present Value (PV) of a future amount of money.

How to Use

1. Enter Details

  • Present Date: Today's date (automatically filled).
  • Future Date: When you will receive the money.
  • Future Value: The amount you expect to receive.
  • Rate of Return (%): The interest rate or discount rate you could earn if you had the money today.

2. Calculate

Click the button to see the result.

3. Analyze

  • Present Value: This is what that future amount is worth right now.
  • Interpretation: If the PV is lower than what you have to invest today to get that future amount, it might not be a good investment.

Why Calculate Present Value?

  • Investment Decisions: Helps compare different investment options with different timelines.
  • Retirement Planning: Understand the real value of future savings.
  • Business Valuation: Assess the value of future cash flows.

The Formula

The calculator uses the standard formula:

$$PV = \frac{FV}{(1 + r)^n}$$

Where:

  • PV = Present Value
  • FV = Future Value
  • r = Rate of return (per period)
  • n = Number of periods (years)

Start planning your financial future with accurate data!