What is the present value formula?

PV = FV / (1 + r)^n, where FV is future value, r is rate per period (decimal), n is number of periods.

Use the rate per period. For annual compounding use annual rate; for monthly use monthly rate (e.g. annual/12).

To value future cash flows today (e.g. bond pricing, investment comparison, loan present value).

Online Present Value Formula Calculator

Calculate present value using PV = FV / (1 + r)^n. Future value, rate, and periods.

Future value (FV)

Rate per period (%)

Number of periods (n)

What is the present value formula?: PV = FV / (1 + r)^n, where FV is future value, r is rate per period (decimal), n is number of periods.
Is the rate annual?: Use the rate per period. For annual compounding use annual rate; for monthly use monthly rate (e.g. annual/12).
When is PV used?: To value future cash flows today (e.g. bond pricing, investment comparison, loan present value).

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