金融财务

Present Value Calculator

现值计算器

货币

未来价值

年利率

年

🌐

Detailed Guide Coming Soon

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

是什么 Present Value Calculator?

▾

A present value calculator discounts a future sum or stream of payments back to today's equivalent value using a discount rate. Higher discount rates make future money worth less today.

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

公式

▾

f(x)PV = FV / (1 + r)ⁿ

变量说明

▾

符号	名称	单位	描述
PV	PMT × [1−(1+r)^−n] / r	—	PMT × [1−(1+r)^−n] / r
FV	FV value	—	Variable used in the calculation

如何 Present Value Calculator

▾

1PV = FV / (1 + r)ⁿ
2PV of annuity = PMT × [1−(1+r)^−n] / r
3r = discount rate per period; n = number of periods
4Discount rate reflects time preference and risk

例题解析

▾

示例 1

已知:Receive $10,000 in 5 years, discount rate 6%

结果:PV = $10,000 / 1.06⁵ = $7,473 today

实际应用

▾

🏗️

Personal financial planning and budget setting

🔬

Comparing loan options before signing agreements

📊

Understanding the true cost of borrowing over time

Present Value of $10,000

▾

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

常见问题

▾

What is Present Value?

A present value calculator discounts a future sum or stream of payments back to today\. Use this calculator for accurate, instant results.

How accurate is the Present Value calculator?

The calculator uses the standard published formula for present value. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Present Value calculator use?

Enter values in the units shown in each input field. The calculator displays results in standard units and shows the calculation steps.

What formula does the Present Value calculator use?

The core formula is: PV = FV / (1 + r)ⁿ. Each step in the calculation is shown so you can verify the result manually.

参考资料

›Present value — Investopedia

仅供参考。此工具不构成财务建议。在做出投资或财务决策之前，请咨询合格的财务顾问。

Formula-verified for precision

Reviewed October 2026

Our methodology

Ratings & comments

…

获取每周数学提示

加入 12,000+ 订阅者，每周都会获得计算器提示。

🔒

100% 免费

无需注册

✓

准确

经过验证的公式

⚡

即时

即时结果

📱

移动友好