Present Value Calculator
Discounts a future amount back to today, which lets you compare money at different dates.
Present value
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Discount —
Discount factor —
The formula
PV = FV ÷ (1 + r)^t
Discounting is compounding in reverse: it finds the sum that would grow to the future amount at that rate.
What to watch out for
Use the return you could realistically earn elsewhere as the discount rate. A higher rate means a lower present value.
Frequently Asked Questions
What is 20,000 in 10 years worth today at 7%?
10,166.99.
What discount rate should I use?
The return you would otherwise expect at a similar risk. Savings rates suit safe cash flows; riskier ones call for a higher rate.