Formula PV = FV ÷ (1+r)^n | PV monthly = PMT × [1 − (1+r)^-n] ÷ r
How much is money in the future worth in the present?
Present Value Calculator
The Present Value Calculator estimates a general arithmetic estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own present value figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in the future value or the period of income, the discount rate and the period to see the present value.
Calculation results
Present Value (PV)
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Future value/ Total
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Discount
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Formula used for calculation
PV = FV ÷ (1 + r)^n
Periodic PV = PMT × [1 − (1+r)^-n] ÷ r
Where r = monthly deduction rate, n = number of months
Discount = Total Future Value - Present Value
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Present value is the future value of money when discounted to its present value using a discount rate. This reflects the principle that 1 baht today is worth more than 1 baht in the future.
What is the discount rate?
The discount rate depends on the risk and capital cost. For general investments, the expected return rate of the portfolio or the loan interest rate of the project may be used.
What is PV used for?
It's used to make NPV analysis, compare the cash amount to the monthly payment, estimate the bond value, and calculate whether to take cash or monthly payment.
What is the difference between PV and NPV?
The PV is the present value of the future cash flow and the NPV (Net Present Value) is the difference between the PV of the cash flow received and the investment.
Disclaimer: The results are estimates. Investments are risky. Consult a financial expert before making any decisions.
English calculator guide
How to use the Present Value Calculator
Use this page to test a specific present value scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the present value estimate instead of relying on a generic example.
Build a baseline present value case with figures that match your situation.
Run a second present value case after changing the rate, period, quantity or other key assumption.
Record the difference between the two present value results and the input responsible for it.
Inputs for the present value estimate
For this present value calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a general arithmetic estimate for your scenario, not a guaranteed provider price or official decision.
How the present value result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same present value inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a present value decision
Confirm any current rate, threshold or provider rule that could change the final amount. For present value, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Recheck the entered values and units if the result looks unexpected.
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