justyourcalculatorPresent Value Calculator
What a future sum or stream of payments is worth today.
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Present Value Calculator
Today's value of a future sum or payment stream
Present value
$5,583.95
- Total interest (discount)
- $4,416.05
- Discount factor
- 0.558395
- Present value$5,584
- Interest$4,416
How it was calculated
- PV = FV / (1 + r)^t = $10,000.00 / 1.790848 = $5,583.95
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How the present value calculator works
Present value answers how much money today is equal to money received later, given a rate you could earn in the meantime. For a single future amount, PV = FV / (1 + r)^t.
For a series of equal payments (an annuity), PV = PMT × (1 - (1 + i)^-n) / i, where i is the rate per period and n the number of payments. Payments at the start of each period (an annuity due) are worth one period more, so multiply by (1 + i).
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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