Discount a future lump sum or recurring payment stream into its equivalent value today. Use the number of periods, interest rate, and periodic deposits to compare cash flows that occur at different times.
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Result
Present Value: $5,583.95
Total Interest: $4,416.05
Result
Present Value: $2,340.51
Future Value: $4,191.49
Total Interest: $1,191.49
Total Principal: $3,000.00
Interest
Principal
Balance
0 yr
5 yr
10 yr
| # | BEGINNING BALANCE | INTEREST | PRINCIPAL | ENDING BALANCE |
|---|---|---|---|---|
| 1 | $300.00 | $18.00 | $300.00 | $318.00 |
| 2 | $618.00 | $37.08 | $600.00 | $655.08 |
| 3 | $955.08 | $57.30 | $900.00 | $1,012.38 |
| 4 | $1,312.38 | $78.74 | $1,200.00 | $1,391.13 |
| 5 | $1,691.13 | $101.47 | $1,500.00 | $1,792.60 |
| 6 | $2,092.60 | $125.56 | $1,800.00 | $2,218.15 |
| 7 | $2,518.15 | $151.09 | $2,100.00 | $2,669.24 |
| 8 | $2,969.24 | $178.15 | $2,400.00 | $3,147.39 |
| 9 | $3,447.39 | $206.84 | $2,700.00 | $3,654.24 |
| 10 | $3,954.24 | $237.25 | $3,000.00 | $4,191.49 |
Review the inputs, outputs, calculation method, and formulas used by this tool.
Future cash flows are discounted because money available today can earn a return before the future date.
PV = FV / (1 + r)^n
PV_annuity = PMT × (1 − (1 + r)^−n) / r
Symbols refer to the corresponding input and result labels shown above.
Enter your figures, choose any available options, and select Calculate. You can change the inputs as often as you like to compare scenarios.
Results are estimates for education and planning. Taxes, lender rules, fees, and investment returns can vary, so verify important decisions with a qualified professional.