Present Value Calculator
What a future amount is worth today: PV = FV ÷ (1+r)^n. Click any i for detail.
Lump sum
Future amount ($)
i
FV
The lump sum you will receive (or need) in the future. |
|
|---|---|
Discount rate (%/yr)
i
Rate
Nominal annual discount rate. |
|
Years
i
Years
Time until the lump sum. |
|
Compounds / year
i
n
1 = annual discounting (default); 12 = monthly. |
How to use this calculator
- Enter the future amount.
- Set discount rate and years.
- Leave compounds at 1 for annual discounting unless you want finer periods.
- Read today’s equivalent.
Results explained
PV = FV / (1 + r)^N with r = annual rate ÷ n and N = years × n. This discounts one future lump — not a series of payments (that is an annuity).
Quick reference: PV
A higher discount rate means a smaller present value.
| Item | Detail |
|---|---|
| Single lump | This page |
| Growing deposits | See future value calculator |
| Inflation-only | Use an inflation rate as the discount rate |
| Risk | Not modeled — pick the rate you believe |
Grow a balance forward: future value calculator.
How the estimate is built
PV = FV / (1 + rate/n)^(years×n).
Example scenario
$50,000 in 10 years at 5% annual → about $30,700 today.
FAQ
Annuity payments?
Not this page — it is a single future amount.
Negative years?
Not allowed. Years must be ≥ 0.
FIRE number?
Barista / Fat FIRE discount a spend÷SWR target the same way.