Present Value Calculator
This present value calculator can be used to calculate the present value of a certain amount of money in the future or periodical annuity payments.
Present Value of Future Money
Present Value of Periodical Deposits
ResultsBest Calculators
Present Value: $736.01
| FV (Future Value) | $1,318.08 |
| Total Principal | $1,000.00 |
| Total Interest | $318.08 |
Schedule
| Deposits | Interest | End balance | |
|---|---|---|---|
| 1 | $100.00 | $0.00 | $100.00 |
| 2 | $200.00 | $6.00 | $206.00 |
| 3 | $300.00 | $12.36 | $318.36 |
| 4 | $400.00 | $19.10 | $437.46 |
| 5 | $500.00 | $26.25 | $563.71 |
| 6 | $600.00 | $33.82 | $697.53 |
| 7 | $700.00 | $41.85 | $839.38 |
| 8 | $800.00 | $50.36 | $989.75 |
| 9 | $900.00 | $59.38 | $1,149.13 |
| 10 | $1,000.00 | $68.95 | $1,318.08 |
Present Value
Present Value, or PV, is defined as the value in the present of a sum of money, in contrast to a different value it will have in the future due to it being invested and compound at a certain rate.
Net Present Value
In finance, the term net present value, or NPV, is widely used. Distinguishing it from plain present value (PV) matters: PV typically appears in introductory financial topics and calculator tools, whereas NPV is applied in real‑world decisions. Analysts rely on NPV for tasks such as evaluating capital projects or depreciation schedules. While PV tells you the current worth of a single cash flow, NPV aggregates every inflow and outflow, much like a company's net profit after all revenues and expenses, or the overall benefit after weighing pros and cons. The word 'net' signals that both positive and negative amounts are taken into account.
The Time Value of Money
Present value (alongside future value, interest rate, number of periods, and payment) is a cornerstone of the time‑value‑of‑money concept that underpins modern finance. Without PV you couldn’t calculate things like mortgages, auto loans, or credit cards.
If you’re interested in future‑value computations, head over to our Future Value Calculator. For a quick primer on finance fundamentals and the time‑value‑of‑money, check out our Finance Calculator.