Kalkulator Nilai Kini

Calculate what future money is worth today. Essential for investment decisions and financial planning. Get instant results with breakdown and rate comparison.

Butiran Anda

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Enter the future value, discount rate, and time period. Choose compounding frequency, then click Calculate to see present value, breakdown chart, and rate comparison.

Panduan Pengguna Lengkap

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

Nilai Kini

The amount you would need to invest today (at the given rate) to reach the future value at the end of the period.

Faktor Diskaun

PV divided by FV; how much one dollar in the future is worth today (0 to 1). Lower for longer periods or higher rates.

Cara Menggunakan Kalkulator Ini

  1. Enter the future value (amount you will have or need)
  2. Enter the discount rate (your required return or opportunity cost)
  3. Enter the time period in years and compounding frequency
  4. Click Calculate to see present value, breakdown, and rate comparison

Formula

PV = FV / (1 + r/n)^(n×t)

r = annual rate, n = compoundings per year, t = years

Nota Penting

  • 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

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