Determine what a future sum or payment stream is worth in today's dollars
📊 Input Parameters
Lump Sum
Payment Stream
Both
Target amount in the future
Regular payment to be received
Required rate of return or discount rate
Time until future value is received
Periods per year (12 = monthly, 4 = quarterly, 1 = annual)
Present Value (Today's Dollars)
$0
Future Value
$0
Discount Amount
$0
Discount Factor
0
📉 Value Discounting Over Time
Formula (Lump Sum): PV = FV / (1 + r)ⁿ Formula (Annuity): PV = PMT × [(1 − (1 + r)⁻ⁿ) / r] × (1 + r × type)
Where r = periodic rate, n = total periods
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