Máy tính giá trị hiện tại
Calculate what future money is worth today. Essential for investment decisions and financial planning. Get instant results with breakdown and rate comparison.
Thông tin chi tiết của bạn
Enter the future value, discount rate, and time period. Choose compounding frequency, then click Calculate to see present value, breakdown chart, and rate comparison.
Giá trị hiện tại
$0
Hôm nay nó có giá trị bao nhiêu
Giá trị tương lai
$0
-$0 giảm giá
Hệ số chiết khấu
0
Tỷ lệ hiệu quả
0%
Tổng chiết khấu
$0
Phân tích giá trị
So sánh tỷ lệ chiết khấu
| Tỷ lệ | PV | Giảm giá |
|---|
Hướng dẫn sử dụng hoàn chỉnh
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
Giá trị hiện tại
The amount you would need to invest today (at the given rate) to reach the future value at the end of the period.
Hệ số chiết khấu
PV divided by FV; how much one dollar in the future is worth today (0 to 1). Lower for longer periods or higher rates.
Cách sử dụng máy tính này
- 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
Công thức
PV = FV / (1 + r/n)^(n×t)
r = annual rate, n = compoundings per year, t = years
Ghi chú quan trọng
- 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