Discount future money to present.. Present Value Calculator is a free online tool from the ToolsRift Finance & Health Calculators collection. It runs entirely in your browser — nothing to install, no signup, and your data never leaves your device.
Enter the future value, discount rate, number of years and compounding frequency. The calculator shows the present value and a year-wise discount table.
Present value = future value / (1 + r/n) ^ (n×t). It answers how much a future sum is worth in today's money at a given discount rate.
Money available now can be invested to earn returns, and inflation erodes purchasing power, so a rupee today is worth more than the same rupee in the future.
Use a rate that reflects your opportunity cost or required return, such as an expected investment return or a borrowing rate. Higher rates lower present value.