Present Value Calculator

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Present Value Calculator

Present Value · Annuity PV · Future Value Builder

Present Value (PV) answers: "how much is a future sum of money worth today?" A dollar received in the future is worth less than a dollar today — because today's dollar can earn interest. PV = FV ÷ (1 + r)^n.

PV = FV ÷ (1 + r)^n

Future Cash Flow

Future Value (FV)

Discount Rate (per period)

Number of Periods

years

Inflation Rate (real PV)

Compounding Frequency

Tax Rate on Earnings

Present Value Today

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Present Value Analysis

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⏳ Time Value of Money — PV to FV Timeline

Present Value (PV)

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Discount Amount (FV − PV)

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Future Value

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Present Value

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Discount Factor

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Discount Rate

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Years

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Total Discount

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Real PV (after inflation)

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After-Tax PV

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💰 PV Components — What Makes Up Today's Value

📋 Year-by-Year PV Discount Schedule

Year	Discount Factor	PV at This Year	PV Erosion	% of FV Remaining

🔮 PV Scenarios

If discount rate was 2% lower:—

If discount rate was 2% higher:—

If horizon was 5 years shorter:—

PV of $1M at same rate and period:—

FV needed for PV to equal $1 today:—

Present Value Insights

The Present Value of an Annuity is the total value today of a series of equal periodic payments. Used to value loans, pensions, leases, bonds, and retirement income streams. Supports ordinary annuity (end of period) and annuity due (beginning of period).

PV = PMT × [1 − (1+r)^−n] ÷ r

Annuity Parameters

Payment per Period (PMT)

Discount Rate (per period)

Number of Periods (n)

years

Annuity Type

Payment Frequency

Payment Growth Rate (growing annuity)

%/yr (0 = flat)

Present Value of Annuity

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Annuity Analysis

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PV of Annuity

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Total Nominal Payments

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Interest Portion (discount)

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PV of Annuity

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Payment per Period

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Number of Periods

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Discount Rate

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Total Payments

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Total Discount

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Annuity Type

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Annuity Factor

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📊 PV Contribution by Period Band

📋 Annuity Payment Schedule

Period	Payment	PV of Payment	Cum. PV	% of Total PV

🔮 Annuity Scenarios

If rate was 2% lower (more valuable):—

If rate was 2% higher (less valuable):—

Equivalent lump-sum today vs 20 payments:—

Monthly payment equivalent:—

Perpetuity value (infinite payments):—

Annuity Insights

The Future Value (FV) is how much a present sum of money will be worth at a future date, given a rate of return. It's the mirror of Present Value — and the foundation of all investment projection calculations.

FV = PV × (1 + r)^n

Investment Details

Present Value (PV) — Today's Amount

Annual Rate of Return

Investment Period

years

Annual Additional Contribution

Inflation Rate (real value)

Compounding Frequency

Future Value

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Future Value Summary

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📈 Growth Timeline — Today to Future

Future Value (Nominal)

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Real Future Value (after inflation)

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Present Value

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Future Value

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Total Interest Earned

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Wealth Multiplier

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Real Rate of Return

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Rule of 72 (doubling)

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Contributions Total

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Interest from Contributions

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💰 Future Value Composition

📋 Year-by-Year Growth Schedule

Year	Additional	Interest	Balance	Real Value

🔮 Future Value Scenarios

If rate 2% higher:—

If rate 2% lower:—

If invested 5 years earlier:—

Time to double at this rate (Rule of 72):—

PV needed today for $1M FV at same rate:—

Future Value Insights

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