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Present Value Calculator

Find the value today of a future amount.

Last updated: 12 Aug 2026

Quick answer

Present value = future value ÷ (1 + rate ÷ 100)^years. For example, ₹1,61,051 due in 5 years at 10% is worth ₹1,00,000 today. Enter the future amount, rate and years above.

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Present value (PV) is what a future amount is worth today: PV = FV ÷ (1 + rate ÷ 100)^years. It is the basis of discounting.

How to calculate present value

  1. 1 Enter the future value (amount later).
  2. 2 Enter the discount rate and years.
  3. 3 We discount it to the present value.

Frequently asked questions

What is present value?
The current worth of a future sum, discounted at a given rate — money now is worth more than the same amount later.
What is the formula?
PV = FV ÷ (1 + r)^n, where r is the discount rate and n the number of periods.
What discount rate should I use?
Often your expected return or cost of capital; a higher rate lowers the present value.

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