**IMPORTANT:** Numeric entry fields must not contain dollar signs, percent signs, commas, spaces, etc. (only digits 0-9 and decimal points are allowed).

Click the **Terms** tab above for a more detailed description of each entry.

#### Step #1:

Enter the future lump sum you would like to calculate present value for.

#### Step #2:

Select either "Months" or "Years" and enter the corresponding number of periods to calculate present value for.

#### Step #3:

Enter the present value discount rate.

#### Step #4:

Select the applicable discounting interval.

#### Step #5:

Click the "Calculate Present Value" button. This will display the calculated present value of the lump sum, the interest earnings, and a year-by-year growth chart.

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