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Financial calculators and cash flows · Present value
Present value. The five registers balance to zero. Money in is +, money out is −; r is the rate per payment period.
Present value
Mathematical examples based on your inputs; taxes, fees and market forecasts are not included.
Results are for study and planning. Check decisions about real money with a qualified professional.
Money you receive is positive, money you pay is negative. For a loan you take: PV +, PMT −.
Your calculation
- Present value
- 200,000
How the calculation works
The five registers balance to zero. Money in is +, money out is −; r is the rate per payment period.
A worked example
- Nominal annual rate (%)
- 6
- Periods
- 360
- Payment per period
- -1,199.1010503055
- Payments per year
- 12
- Compounding per year
- 12
- FV
- 0
Step by step
- r = Nominal annual rate (%) ÷ Payments per year = 6 % ÷ 12 = 0.5 %
- n = 360 · (1 + r)^−n = 0.166 · (1 − (1 + r)^−n) ÷ r = 166.7916
- Present value = −(-1,199.1 × 166.7916 + 0 × 0.166) = 200,000
Enter the payment you make as a negative number; the result is the amount that payment stream repays today at this rate.
If one input changes
- Nominal annual rate (%) = 4: Present value = 251,165.19
- Nominal annual rate (%) = 5: Present value = 223,370.48
- Nominal annual rate (%) = 7: Present value = 180,233.96
- Nominal annual rate (%) = 8: Present value = 163,417.68
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