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Investment & Savings Calculators

Present Value Calculator

Present value (PV) of a future amount and of an annuity — what a future sum is worth today at a discount rate.

Enter values

Results update as you type.

Result

Present value

$27,919.74

PV of lump sum
$27,919.74
PV of payments
$0.00
Discount factor
0.558395

About the Present Value Calculator

Present value (PV) of a future amount and of an annuity — what a future sum is worth today at a discount rate.

Also known as: pv calculator, discounted value, present value of annuity, npv of cash flow.

How to use this calculator

  1. Enter future value, payment per period (optional), discount rate per period, periods.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

PV = FV / (1 + r)ⁿ + PMT·(1 − (1 + r)⁻ⁿ)/r

Worked example

Using the values pre-filled in the calculator above:

  • Future value = 50,000
  • Payment per period (optional) = 0
  • Discount rate per period = 6 %
  • Periods = 10

the calculator returns:

  • Present value: 27,919.74
  • PV of lump sum: 27,919.74
  • PV of payments: 0
  • Discount factor: 0.558395