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Present Value Calculator

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Future Value

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We're working on a comprehensive educational guide for the Present Value Calculator in your language. The content below is shown in English.

이란 무엇인가 Present Value Calculator?

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A present value calculator discounts a future cash flow or annuity back to its current worth, accounting for the time value of money at a given discount rate.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

공식

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f(x)PV = FV / (1 + r)ⁿ; PV of annuity = PMT × [(1 − (1+r)⁻ⁿ) / r]

변수 설명

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기호	이름	단위	설명
PV	Present Value	currency	—
FV	Future Value	currency	—
r	Discount rate	%	—
n	Time periods	—	—

방법 Present Value Calculator

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1PV = FV / (1 + r)ⁿ
2PV of annuity = PMT × [1−(1+r)^−n] / r
3Higher discount rate = lower present value
4Used for investment decisions, bond pricing, and project appraisal

풀어진 예시

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예제 1

주어진 값:Receive $5,000 in 5 years, discount rate 6%

결과:PV = $5,000 / 1.06⁵ = $5,000/1.3382 = $3,736

실제 적용

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Investment valuation and capital budgeting

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Lottery jackpot present value

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Lease vs buy decisions

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Pension and annuity valuations

Present Value of $10,000

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Discount rate	5 years	10 years	20 years
3%	$8,626	$7,441	$5,537
6%	$7,473	$5,584	$3,118
9%	$6,499	$4,224	$1,784
12%	$5,674	$3,220	$1,037

자주 묻는 질문

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What's the time value of money?

$100 today > $100 in 5 years. Can invest today's money and earn returns.

What discount rate should I use?

Often your cost of capital or expected return. 5-10% typical for personal finance. Business: WACC.

How is PV used in investing?

Evaluate if future cash flows justify today's cost. If calculated PV > cost, invest. If < cost, reject.

참고 자료

›Present value — Investopedia

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Present Value vs Future Value

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Annuity vs Lump Sum

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Reviewed October 2026

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Present Value Calculator