Finance & Investment
Present Value Calculator
Present Value: it discounts a future amount to today with PV = FV ÷ (1 + i)^n. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
Present Value Calculator lets you work out the present value of a future amount in seconds: enter your future value, annual discount rate and number of years for the value in today's money, all worked out locally in your browser.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
Present Value is easiest to get wrong in the setup, not the arithmetic. It discounts a future amount to today with PV = FV ÷ (1 + i)^n. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. The worked example on this page (The present value of 100,000 received in 5 years at 8% = 100,000 ÷ 1.08 5 = 68,058.32 .) shows the full substitution; the calculator above runs the same working on your own numbers, in your browser, with nothing uploaded.
How to use
- Enter the future value, the amount due later.
- Type the annual discount rate as a percentage.
- Set the number of years until the amount is received.
- Tap Calculate to see today's present value of that amount.
Why use the Present Value Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it when comparing offers paid at different times
Use it when comparing money across time
Use it for discounting a lump sum
Use it for time-value-of-money problems
Use it when discounting a future amount to today
Use it for valuing a future payout now
Technical notes
Present Value Calculator discounts a future amount to today with PV = FV ÷ (1 + i)^n.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
The tool works offline once loaded, since every computation is client-side.
Worked example
The present value of 100,000 received in 5 years at 8% = 100,000 ÷ 1.085 = 68,058.32.
FAQ
What is the present value formula?
Present value equals future value divided by (1 + rate) raised to the number of years; the rate is the discount rate that reflects time and risk.
Does the Present Value Calculator send my data to a server?
No. The Present Value Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What discount rate should I use?
Use a rate that reflects your required return or the risk of the cashflow; a higher discount rate produces a lower present value.
Why is present value lower than future value?
Because money available sooner can be invested to grow, a future amount is always worth less today once you discount it back.