Present Value Calculator
Find what a future sum is worth today.
Runs in your browser. Nothing is uploaded — your input is processed on this device and discarded when you close the tab.
Present Value Calculator
How to use this tool
- Enter the future value, the annual discount rate and the number of years.
- Press Generate to see the present value.
- Raise the rate to see how much less the future sum is worth today.
Worked example
A future value of 1000 in 3 years at 5% per year has a present value of 1000 / 1.05^3 = 1000 / 1.157625 = 863.84.
What this tool does not do / Limits
This is an estimate from the numbers you enter, not financial advice. It assumes one annual discount rate applied evenly and ignores tax, inflation detail and payment timing within each year.
Frequently asked questions
Why is present value less than future value?
Money today can earn a return, so a sum promised later is worth less now by the discount applied over the wait.
What if the rate changes over time?
This tool uses one fixed rate; varying rates need each year discounted separately.
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