Present Value Calculator
Discount a future amount to present value at a chosen rate and number of periods. Runs locally in your browser. Free online tool — no sign-up.
Trust summary Engine tested · Specification checked · v1.1.0
- Input interpretation
- Enter values to calculate.
- Result
- —
- Model
- Present value and discount amount from a future value.
- Scope
- Fixed rates and terms as entered; no fees or taxes unless modeled.
- Verification
- Engine tested · Specification checked · v1.1.0
- Named expert review
- Optional · Not performed
- Specification basis
- CFA Institute / standard TVM — present value PV = FV / (1 + r/n)^(n·t)
- Federal Reserve education — discounting future cash to present value
Formulas
Core equations used by this calculator.
How to use
Enter the known values
Fill in each field with amounts and rates as labeled.
Calculate
Results update as you type; compare scenarios below when available.
Read the outputs
Check the result panel for the primary figure and supporting totals.
Example calculations
Common configurations with formula and result.
Worked example
FV 10,000 · 5% · 10 yr · n=12 → PV ≈ 6,102.65
Present Value calculator specification
Version 1.1.0 · Engine tested
- Engine tested 3 published cases
- Named expert review Not performed
- Calculation version 1.1.0
- 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)- 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
3 published on this page
- 10000 · 5% · 10 yr · n=12 → PV ≈ 6102.65
- 1000 · 0% · 5 yr → PV = 1000
- 5000 · 8% · 1 yr · n=1 → PV ≈ 4629.63
- Specification basis
- CFA Institute / standard TVM — present value PV = FV / (1 + r/n)^(n·t)
- Federal Reserve education — discounting future cash to present value
- Calculation version
- 1.1.0
Background
Interpretation and common distinctions.
About this calculator
Present value is what a future cash amount is worth today: PV = FV / (1 + r/n)^(n·t).
Example
FV 10,000 · 5% · 10 yr · n=12 → PV ≈ 6,102.65
Related tools
Other calculators in this family: Compound Interest, Simple Interest, ROI Calculator .
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.