Discount a single future amount back to today at a constant annual rate.
| Present value | – |
Use this present-value calculator for a lump sum you will receive (or pay) later—a savings goal, a balloon, or a simple TVM check. It is one cash flow, not an annuity. Compounding is annual.
PV = future ÷ (1 + rate)^years. Type 5 for a 5% annual rate. Years must be positive. The future amount is treated as non-negative.
Future value: The amount at the end of the horizon, in your currency.
Rate (%): Annual discount rate as a percent, e.g. 5 for 5%.
Years: How many years until that amount.
Present value: What that future amount is worth today.
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