💎 Present Value Calculator
Calculate the present value of future cash flows using time value of money principles. Perfect for investment analysis, retirement planning, and business valuation.
📤 Upload Statement to Auto-Fill
Investment statements, retirement projections, or CSV data
Drop your PDF or CSV here or click to browse
Supported: Retirement statements, investment projections, business valuations, or any CSV with future value data
📊 PV Details
Elite📚 Popular PV Scenarios
💡 Understanding Present Value
Time Value of Money: A dollar today is worth more than a dollar tomorrow due to its earning potential. Present Value calculates what future money is worth today.
Discount Rate: The rate of return you could earn on alternative investments. Higher rates mean future money is worth less today.
Common Uses: Retirement planning, investment analysis, loan calculations, business valuations, and comparing different payment options.
Formula: PV = FV / (1 + r)^n, where r is the discount rate and n is the number of periods.
🏆 Present Value Results
ResultsYour calculated present value based on time value of money principles.
PRESENT VALUE
$46,319
what the future value is worth today
📊 Sensitivity Analysis
How different discount rates affect present value
📈 Present Value Growth to Future Value
💡 Insight: The higher the discount rate or the longer the time period, the lower the present value. This reflects increased risk, opportunity cost, and the compounding effect of time.