Finance

Present Value (Discount to Today)

Discount any future amount or payment stream back to today's value. It supports an optional annuity, six compounding modes, the discount factor, and the effective annual rate.

How to use
  1. Enter the future value or payment amount.
  2. Add the discount rate and number of periods.
  3. Pick a compounding mode from annual to continuous.
Estimates for general information, not financial advice. Confirm figures before making money decisions.
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Worked examples

Future valueRate / yearsPresent value
$10,0005%, 10 yr$6,139
$10,0008%, 10 yr$4,632
$50,0006%, 20 yr$15,591
$1,00010%, 5 yr$620.92

Common questions

What is present value?

It is what a future sum is worth today, found by discounting it at a chosen rate. A dollar later is worth less than a dollar now because money can earn interest.

How does the discount rate affect present value?

A higher discount rate lowers present value, because it assumes your money could grow faster elsewhere, making future cash worth less today.

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