$10,000 future value plus payments discounted
- Lump-sum present value
- $7,412.80
- Payment stream present value
- $12,418.56
- Discount rate
- 5%
Present Value Calculator
Use this free present value calculator to discount a future lump sum and regular payments back to today using an entered rate and time period.
Formula steps Estimate limits shown Examples included Private history
Formula steps
- Discount the future lump sum back to today.
- Discount each regular payment as an annuity.
- Add both present value parts.
How to use the present value calculator
- Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
- Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
- Press the calculate button to see the answer, supporting metrics, and formula steps.
- Use the result as a planning estimate only, then copy it if the assumptions look right.
Common uses
Estimate what a future amount is worth today.
Discount a regular payment stream.
Compare different discount rates.
Use with future value and IRR for planning math.
Examples
Present value estimate
Discounted value today
Annuity present value
Frequently asked questions
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
When should I use the Present Value Calculator?
Use it for early planning and side-by-side comparisons, especially for tasks like these: Estimate what a future amount is worth today. Discount a regular payment stream. Treat the answer as a planning estimate, not a final quote.
What is the Present Value Calculator doing with my numbers?
In plain language: The calculator discounts a future lump sum and discounts regular payments as an annuity, then adds both present value parts. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
What does this estimate leave out?
Present value depends on the discount rate and timing assumption. It does not include tax, risk, liquidity, inflation surprises, or professional investment advice. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
Does the site save my finance inputs?
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.
Related tools
Future Value Calculator Estimate future value of a starting amount and regular payments. Open IRR Calculator Estimate internal rate of return from an initial outflow and five cash-flow periods. Open Investment Calculator Project investment growth from starting amount, monthly deposits, and return. Open