Present Value Calculator

Discount a future lump sum to present value.

Present Value Calculator helps you discount a future lump sum to present value. Enter amount in the future, yearly rate (discount rate), and years from now, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the Present Value calculator does Present Value Calculator is built for money decisions — loans, savings, payments, and taxes. Discount a future lump sum to present value. You enter amount in the future, yearly rate (discount rate), and years from now, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter the Amount in the future, the Yearly rate (discount rate), meaning the return you could earn on money in the meantime, and the Years from now. Present value = future amount ÷ (1 + rate)^years, with growth compounded once a year. The table shows what the same amount would be worth today if it arrived after 1, 2, 3 … years (up to 40). The formula: PV = FV ÷ (1 + r)^t. FV is the future amount, r the yearly discount rate and t the number of years.