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Present Value Calculator to Calculate PV of Future Money

Calculator Preferences
Present Value Calculator Sign
Present Value Calculator

This calculator will calculate the present value of a future lump sum of money given the discount rate, the discounting interval, and the number of months or years. Includes a printable, year-to-year interest earnings and growth chart. The Learn tab includes:

  • What is Present Value?
  • What are PV calculations useful for?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Future sum:Future sum:Future lump sum:Future lump sum:

Future lump sum:

Enter the dollar amount of a future lump sum of money you wish to calculate present value for, without the dollar sign and commas.

# ofNumber ofNumber of

Number of months/years:

Select either Months or Years and enter the corresponding number of periods.

Disc rate:Discount rate:Present value discount rate:Present value discount rate:

Present value discount rate:

Enter the discount rate to be used in the present value calculations. Please enter as a percentage but without the percent sign (for .06 or 6%, enter 6).

Frequency:Frequency:Discounting frequency:Frequency of discounting:

Frequency of discounting:

Select the discounting frequency to use in the present value calculations.

PV:Present value:Present value of lump sum:Present value of future lump sum:

Present value of future lump sum:

Based on your entries, this is the amount you would need to deposit/invest now in order for your investment to grow to the entered future lump sum within the specified time frame.

Interest:Interest:Discounted interest earnings:Discounted interest earnings:

Discounted interest earnings:

Based on your entries, this is the total of the discounted interest earnings on the future lump sum. Or, this is how much future compound interest you will earn on the invested present value for the specified number of months or years.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

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Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

 

Favorites

Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.