← Back to Toolkit
Team Cocco Financial Planning
Present Value Calculator
Determine what a future sum or payment stream is worth in today's dollars
📊 Input Parameters
Lump Sum
Payment Stream
Both
Future Value ($)
Target amount in the future
Periodic Payment ($)
Regular payment to be received
Discount Rate / Annual Rate (%)
Required rate of return or discount rate
Number of Years
Time until future value is received
Compounding Frequency
Periods per year (12 = monthly, 4 = quarterly, 1 = annual)
Payment Timing
End of Period
Beginning of Period
Calculate Present Value
Reset
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