Present Value Calculator: Formula & Worked Example
Present value of a future lump sum. Calculate instantly in your browser with editable inputs, a worked example and clear assumptions. No account required.
How it is calculated
Future value ÷ (1 + Annual rate % ÷ 100)^Years
Discounts a single future amount with annual compounding; there are no intermediate payments.
Worked example
- Future value
- 150000
- Annual rate %
- 8
- Years
- 3
Example result: 1,19,074.84
The interactive tool lets you edit every input and reset to this example. Calculations run in your browser.
Questions and answers
Are my calculator inputs sent to a server?
These calculations run in your browser. The calculator does not send your entered values to a calculation server or save them to your learning account.
Why can the result differ from a full spreadsheet model?
Each calculator uses the equation and assumptions shown on this page. Displayed values may be rounded. A workbook with different timing, fees, filters or source data can produce a different result.
Can I use the calculator without an account?
Yes. All 73 calculators are available to guest learners. The worked example shows the default inputs, and Reset restores them.
Related calculators
- CAGR — Compound annual growth rate between two values.
- Simple Interest — Calculate simple interest.
- Simple Interest Total — Calculate principal plus simple interest.
All 73 calculators · Practise in the Excel Simulator
Interactive practice runs in your browser.