Finance calculator

Present Value Calculator

Discount a future value to present value using an annual rate, years, and compounding frequency.

Instant result

Result

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Enter values to calculate.

Inputs—

Mode—

Formula—

Formulas

Core equations used by this calculator.

PrimaryPV = FV / (1 + r/n)^(n·t)

iRuns locally in your browser. Results are informational — verify critical financial decisions independently.

How to use

Follow these steps for a clear answer.

1

Enter the known values

Fill in each field with amounts and rates as labeled.

2

Calculate

Results update as you type; compare scenarios below when available.

3

Read the outputs

Check the result panel for the primary figure and supporting totals.

Example calculations

Common configurations with formula and result.

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Worked example

FV 10,000 · 5% · 10 yr · n=12 → PV ≈ 6,102.65

PV = FV / (1 + r/n)^(n·t)

See result panel

Present Value calculator specification

Version 1.0.0 · Last reviewed 2026-07-28

Definition: Present value is what a future cash amount is worth today: PV = FV / (1 + r/n)^(n·t).
What it calculates: Present value and discount amount from a future value.
Inputs: Values shown on the calculator form
Outputs: Primary result in the result panel
Formula: PV = FV / (1 + r/n)^(n·t)
About this calculator

Present value is what a future cash amount is worth today: PV = FV / (1 + r/n)^(n·t).

Formula

PV = FV / (1 + r/n)^(n·t)

Example

FV 10,000 · 5% · 10 yr · n=12 → PV ≈ 6,102.65
Assumptions: Fixed rates and terms as entered; no fees or taxes unless modeled.
Calculation runs locally in the browser.
Units: Currency units as entered (dimensionless rates in %)
Boundary conditions: Zero or missing required fields yield zero or empty results.
Negative inputs are treated as zero.
Example: FV 10,000 · 5% · 10 yr · n=12 → PV ≈ 6,102.65
Validation cases: 10000 · 5% · 10 yr · n=12 → PV ≈ 6102.65
1000 · 0% · 5 yr → PV = 1000
5000 · 8% · 1 yr · n=1 → PV ≈ 4629.63
Sources: Standard time-value-of-money / managerial accounting identities
Last reviewed: 2026-07-28
Calculation version: 1.0.0

Frequently asked questions

Key distinctions behind the calculation.

How does the Present Value Calculator work?

It uses PV = FV / (1 + r/n)^(n·t). All math runs locally in your browser.

Can I share my inputs?

Yes. Use Copy link in the result panel — the URL stores your current inputs.