金融财务

Present Value Calculator

现值计算器

货币

未来价值

年利率

年

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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?

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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.

公式

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

变量说明

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符号	名称	单位	描述
PV	Present Value	currency	—
FV	Future Value	currency	—
r	Discount rate	%	—
n	Time periods	—	—

如何 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

例题解析

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示例 1

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

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

实际应用

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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

常见问题

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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.

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。

比较

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Present Value vs Future Value

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Annuity vs Lump Sum

Formula-verified for precision

Reviewed October 2026

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