Present value calculator — lump sums and annuities
Value a single future amount, a stream of equal payments, or both together.
Use 0 to value payments only.
Use 0 to value a lump sum only.
%
Present value
36,751.49
Discount factor for period 4: 0.7350
How it's calculated
PV = FV ÷ (1 + r)ⁿ + PMT × [1 − (1 + r)⁻ⁿ] ÷ r
Assumptions
- Payments at the end of each period unless you choose the start (annuity due).
Limitations
- Uses one constant discount rate for all periods.
For education and planning. Results are estimates, not financial advice.