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Present value calculator

Discount a future lump sum or payment stream to today's value, with growing payments, annuity-due timing, and mixed compounding options.

Enter a lump sum, a payment stream, or both to discount them.

This discounts one future lump sum and one equal-spaced payment stream, treated as certain: no taxes, fees, default risk, or taxes on the growth, and no inflation adjustment here. Payments round to whole counts. For cash flows on irregular dates you need an NPV or XIRR tool instead; this one values a single side only, not a project's net position.
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