Skip to content
OneKitly
Sign up · Sign in

Present value calculator

Find today's value of a future sum of money at a given discount rate.

Related tools

All Investing & markets tools →
Present value of annuity calculatorCompute the present value of a series of equal future payments.PVIFA Calculator (Present Value Interest Factor of an Annuity)PVIFA = [1 − (1+r)⁻ⁿ] / r — the number a payment is multiplied by to get a present value. Adjustable precision from 2 to 15 decimals, the ordinary and due factors together, an annuity-table row you can read across, and an explanation of why asking for more than 17 significant digits is meaningless in binary floating point.Present Value of an Annuity Due CalculatorPayments land at the start of each period, so every one of them is discounted one period less: PV(due) = PV(ordinary) × (1 + r). Both figures are shown side by side with the gap in cash, plus the period-by-period discount table that explains where the extra value comes from.Present Value of a Growing Annuity CalculatorPV = C₁/(r−g) · [1 − ((1+g)/(1+r))ⁿ] for payments that grow at a fixed rate. The r = g case is a removable singularity, not an error: the limit is n·C₁/(1+r), and it is computed exactly instead of dividing by zero. Ordinary and due timings, growing perpetuity, and the full payment table.Perpetuity value calculatorCompute the present value of a perpetuity — a stream of payments that never ends.Pip Value Calculator (Forex)Value of one pip for a forex trade, in the quote currency and converted to your account currency.Actual cash value calculatorEstimate an item's actual cash value (ACV) — its depreciated worth for an insurance claim. Enter the replacement cost, age and expected lifespan, choose straight-line or declining-balance depreciation, and it returns the current value, the total depreciation and the percentage of life used.DCF calculator (discounted cash flow)Value a company from its projected free cash flows: discount each year at the WACC, add a Gordon terminal value, then work down to equity value per share.

Need Present value? The Present value calculator derives it from Future value, Discount rate (%/yr), Years in one step. For instance, with Future value = $10,000.00, Discount rate (%/yr) = 5 and Years = 10 it returns Present value = $6,139.13.

How to use it

  1. Enter your values: Future value, Discount rate (%/yr), Years.
  2. Read the result instantly: Present value.

Frequently asked questions

How does the Present value calculator work?

It takes Future value, Discount rate (%/yr) and Years and derives Present value from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

3 values: Future value ($), Discount rate (%/yr) and Years. Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Future value = $10,000.00, Discount rate (%/yr) = 5 and Years = 10, the calculator returns Present value = $6,139.13. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Future value = $20,000.00, Discount rate (%/yr) = 5.5 and Years = 20 instead, Present value goes from $6,139.13 to $6,854.58 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Future value = $5,000.00, Discount rate (%/yr) = 4.5 and Years = 5, Present value comes out at $4,012.26. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Comparing two investments that pay at different times, deciding whether a project clears its cost of capital, and sanity-checking a valuation someone else produced.

What is the most common mistake?

Trusting a valuation without asking what share of it comes from the terminal value. Past 70%, the answer is an assumption about the distant future dressed up as a calculation.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the Present value calculator and the Present value of annuity calculator?

Both return Present value. What differs is what they ask for: this one wants Future value and Discount rate (%/yr), the Present value of annuity calculator wants Payment per period and Rate per period (%). Use whichever matches the numbers you already have.

Is there a tool for the next step?

PVIFA Calculator (Present Value Interest Factor of an Annuity) is the closest one after this: PVIFA = [1 − (1+r)⁻ⁿ] / r — the number a payment is multiplied by to get a present value. Adjustable precision from 2 to 15 decimals, the ordinary and due factors together, an annuity-table row you can read across, and an explanation of why asking for more than 17 significant digits is meaningless in binary floating point.

Further reading

All guides →
ExplainerPresent Value vs Future Value: Why Money in Thirty Years Is Worth About an Eighth of Its FacePV = FV ÷ (1+r)^n. At 7 percent over 30 years the discount factor is 0.131, so a promise of $100,000 in thirty years is worth $13,137 today — and $41,199 if you assume 3 percent instead.GuideBuying Back Retirement Quarters or Points: From What Age It Stops PayingThe usual advice is that a buy-back gets worse with age, because the price rises. The French scale is written to be actuarially neutral, so that is not quite what is happening — and once you see what actually moves the answer, the decision changes. Computed on the current parameters.ComparisonNPV vs IRR: What to Do When the Two Rules Rank the Same Projects DifferentlyIRR picks the $10,000 project returning 50 percent; NPV picks the $100,000 project returning 30 percent, worth $20,370 against $3,889. And a mine with a cleanup cost has two IRRs, 10 and 20 percent, so the rate answers nothing.ExplainerActual Cash Value: The Subtraction You Agreed To Before the LossA twelve-year-old roof that costs $20,000 to replace is worth $10,400 on a straight-line schedule. After a $2,000 deductible, an actual cash value policy pays $8,400 and a replacement cost policy pays $18,000 — same roof, same loss, $9,600 apart.ExplainerAnnuities: What You Are Actually BuyingAn annuity's price is a present value over a probability-weighted term. On a stated mortality at 4 percent, $100,000 at 65 buys $7,492 a year — 4.00 points of interest, 1.78 of returned capital and 1.71 of mortality credit.ExplainerThe Quarters or Points You Are Missing, and What Each One Is Actually WorthA missing quarter in France costs you twice over, through two separate mechanisms that most explanations mention only one of. A German point is a single arithmetic step and much easier to price. Both are computable, and the 2026 figures changed more than usual.