Calculate future value.
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Present Value Calculator
Quick answer
If future value is ₹1,50,000, rate per period is 8% and periods are 5, the present value is ₹1,02,087.48.
Present value formula: PV = FV ÷ (1 + r)ⁿ.
Enter your values
0 %50 %
%
Present value
₹1,02,087.48
Today's equivalent of a future amount, once it's discounted back at the rate you entered.
You enter Future value ₹1,50,000, Rate per period 8%, Periods 5. You get Present value ₹1,02,087.48.
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About the Present Value Calculator
Present value tells you how much a future sum is worth today after discounting for growth or inflation. Enter the future value, the rate per period and the number of periods.
It answers questions such as: how much should I invest now to have ₹1,50,000 in five years?
Present value formula
PV = FV ÷ (1 + r)ⁿ
FV is the future value, r the rate per period as a decimal and n the number of periods.
Things to keep in mind
- The higher the rate or the longer the wait, the smaller the present value.
- Use the same unit for the rate and the periods.
- Choose a realistic discount rate; a high one makes future money look worth very little.
See how the result changes
Each table re-runs this calculator with one value changed and everything else left as it is.
Present value by future value
If future value goes from ₹1,50,000 to ₹2,25,000, present value changes from ₹1,02,087.48 to ₹1,53,131.22 (+50%).
| Future value | Present value |
|---|---|
| ₹75,000 | ₹51,043.74 |
| ₹1,13,000 | ₹76,905.90 |
| ₹1,50,000start | ₹1,02,087.48 |
| ₹2,25,000 | ₹1,53,131.22 |
| ₹3,00,000 | ₹2,04,174.96 |
Present value by rate per period
If rate per period goes from 8% to 12%, present value changes from ₹1,02,087.48 to ₹85,114.03 (−17%).
| Rate per period | Present value |
|---|---|
| 4% | ₹1,23,289.07 |
| 6% | ₹1,12,088.73 |
| 8%start | ₹1,02,087.48 |
| 12% | ₹85,114.03 |
| 16% | ₹71,416.95 |
Present value by periods
If periods goes from 5 to 7.5, present value changes from ₹1,02,087.48 to ₹84,219.58 (−18%).
| Periods | Present value |
|---|---|
| 2.5 | ₹1,23,746.20 |
| 3.75 | ₹1,12,396.34 |
| 5start | ₹1,02,087.48 |
| 7.5 | ₹84,219.58 |
| 10 | ₹69,479.02 |
FINANCE GUIDE
A quick guide to Present Value
Use it to get an accurate present value in seconds — free, with no sign-up.
Instant results
See your present value the moment you enter your numbers.
Free, no sign-up
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Accurate & transparent
The same standard formula runs on our server for every calculation.
How to Use the Present Value Calculator
1
Enter Future value
Provide your future value.
2
Enter Rate per period
Provide your rate per period, in %.
3
Enter Periods
Provide your periods.
4
View Your Results
Get your present value instantly, calculated on our server.
What is Present Value?
This finance tool works out your present value instantly, so you don't have to do the math by hand.
“One quick calculation, so you always know your present value before you decide.”
What Affects Your Present value
Your present value depends on the values below.
Future value
Changing your future value changes your present value.
Rate per period
Changing your rate per period changes your present value. Typically between 0 and 50 %.
Periods
Changing your periods changes your present value.
Example Result
Here's what you can expect from a present value calculation:
- Future value
- 150000
- Rate per period
- 8 %
- Periods
- 5
- Present value
- ₹1,02,087.48
Frequently Asked Questions
- How does future value affect present value?
- If future value goes from ₹1,50,000 to ₹2,25,000, present value changes from ₹1,02,087.48 to ₹1,53,131.22 (+50%).
- How does rate per period affect present value?
- If rate per period goes from 8% to 12%, present value changes from ₹1,02,087.48 to ₹85,114.03 (−17%).
- How to calculate present value?
- Fill in future value, rate per period and periods in the Present Value Calculator above and your present value is calculated instantly. Change any value to see how the result responds.
- What does an example present value calculation look like?
- If future value is ₹1,50,000, rate per period is 8% and periods are 5, the present value is ₹1,02,087.48.
- Is this calculator free to use?
- Yes — every calculator on this site is completely free, with no sign-up or account required.
- How accurate is this calculator?
- It uses the standard formula and calculates on our server for every request, so results are precise for the values you enter.
- Is my data saved anywhere?
- No. Nothing you enter is stored or sent anywhere unless you choose to share a link with your values included.
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