Calculadora de valor actual
Calculate what future money is worth today. Essential for investment decisions and financial planning. Get instant results with breakdown and rate comparison.
Els teus detalls
Enter the future value, discount rate, and time period. Choose compounding frequency, then click Calculate to see present value, breakdown chart, and rate comparison.
Valor actual
$0
El que val avui
Valor futur
$0
-$0 descompte
Factor de descompte
0
Tarifa efectiva
0%
Descompte total
$0
Desglossament de valors
Compareu les tarifes de descompte
| Taxa | PV | Descompte |
|---|
Guia d'usuari completa
What is Present Value?
Present value (PV) is what a future sum of money is worth today, given a discount rate. Money today is worth more than the same amount in the future because you can invest it and earn returns. PV is used to compare investments, value bonds, and decide between a lump sum and payments over time.
What Your Results Mean
Valor actual
The amount you would need to invest today (at the given rate) to reach the future value at the end of the period.
Factor de descompte
PV divided by FV; how much one dollar in the future is worth today (0 to 1). Lower for longer periods or higher rates.
Com utilitzar aquesta calculadora
- Enter the future value (amount you will have or need)
- Enter the discount rate (your required return or opportunity cost)
- Enter the time period in years and compounding frequency
- Click Calculate to see present value, breakdown, and rate comparison
Fórmula
PV = FV / (1 + r/n)^(n×t)
r = annual rate, n = compoundings per year, t = years
Notes importants
- Use your required rate of return or what you could earn elsewhere (e.g. 3%% inflation, 7–10%% stocks).
- For education only. Not financial or investment advice.
When PV is Useful
- Comparing investment options or valuing bonds
- Deciding between a lump sum and payments over time
- Retirement planning and business investment analysis