Present Value Calculator
Calculate present value from a future amount, discount rate, number of periods, and compounding frequency.
Useful for comparing future cash flows today.
Present value$61,391
Discount factor0.61
Future value$100,000
| Formula | FV / (1 + r/n)^(n*t) |
|---|
Assumptions
- Discount rate is a planning assumption, not a guaranteed return.
How this calculator works
Formula used
Present value = future value / (1 + discount rate / periods) ^ total periods.
Example calculation
$100,000 due in 10 years discounted at 5% annually is worth about $61,391 today.
Present Value Calculator FAQ
Are these retirement and investment calculators financial advice?
No. They are educational planning tools for U.S. users and do not replace advice from a qualified financial, tax, legal, or investment professional.
Why can actual investment results be different?
Actual results can differ because market returns vary, taxes change, fees apply, inflation shifts, and account rules may limit contributions or withdrawals.