Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Present value
$104,316
PV of the lump sum
$104,316
PV of the payment stream
$0
Value lost to discounting
$145,684
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter future amount ($).
- 2Enter annual payment received ($).
- 3Enter discount rate (%).
- 4Enter years away.
- 5Read your present value on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Present value discounts future money back to today at a required rate of return. It is the maths behind valuing a settlement offer, a pension buyout, or any deal that pays out later.
Worked example
Using the values the calculator loads with:
Inputs
- Future amount: 250000 $
- Annual payment received: 0 $
- Discount rate: 6 %
- Years away: 15
Results
- Present value: $104,316.27
- PV of the lump sum: $104,316.27
- PV of the payment stream: $0.00
- Value lost to discounting: $145,683.73
What each field means
Inputs
- Future amount ($)
- The future amount used in the calculation, measured in $. Starts at 250000 $ so you have a working example on load.
- Annual payment received ($)
- The annual payment received used in the calculation, measured in $. Starts at 0 $ so you have a working example on load.
- Discount rate (%)
- The discount rate used in the calculation, measured in %. Starts at 6 % so you have a working example on load.
- Years away
- The years away used in the calculation. Starts at 15 so you have a working example on load.
Results
- Present value
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- PV of the lump sum
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- PV of the payment stream
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Value lost to discounting
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the present value calculator work?
Present value discounts future money back to today at a required rate of return. It is the maths behind valuing a settlement offer, a pension buyout, or any deal that pays out later. The underlying maths is: PV = FV ÷ (1 + r)^n, plus the discounted value of any recurring payments.
What do I need to enter?
4 values: future amount, annual payment received, discount rate, and years away. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the present value result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Present Value Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/present-value
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/present-value" target="_blank" rel="noopener">Present Value Calculator — RevenueLab</a> (2026).</p>
Source: [Present Value Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/present-value) (2026).