Present Value Calculator — PV and FV Modes

Switch between present value and future value for a lump sum. Sample: FV 10,000 at 5% for 5 years → PV ≈ 7,835.26. Educational time-value math — not investment advice Calculate PV or FV with the compound formula; example FV 10,000 at 5% for 5 years → PV ≈ 7,835.26.

How it works

Choose PV or FV mode. Enter the known amount, annual rate, and years. Distinct from NPV (cash-flow series).

Formula

PV = FV / (1+r)^n and FV = PV × (1+r)^n with r as a decimal. Notes:

Compounding is annual end-of-year in this simple model.
Rate −100% or below is invalid.
Annuity streams are not modeled — use NPV for series.

Example

Example: FV 10000, r=5%, n=5 → PV = 10000/1.05^5 ≈ 7835.26.

When to use it

Homework lump-sum discounting.
Sketch what a future goal is worth today.
Contrast with NPV for multi-year cash flows.

Frequently asked questions

Sample PV?

≈7835.26 for FV 10000 at 5% over 5 years.

PV vs NPV?

PV is one amount; NPV discounts a cash-flow list minus investment.

Monthly compounding?

This page uses annual periods only.

Advice?

Educational only.

Important notice

Educational present value only — not financial, tax, or investment advice.

References: Investopedia and standard textbook formulas.

Questions or feedback

Something unclear, broken, or missing? Draft a message below — we read every note about these tools.