Present Value Calculator
What a future amount is worth today at a chosen discount rate.
Result
- Amount needed in future
- ₹10,00,000
- Discount for time
- ₹6,14,457
- Discount factor
- 0.3855
| Period | Discount factor | Value at that point |
|---|---|---|
| Year 1 | 0.9091 | ₹4,24,098 |
| Year 2 | 0.8264 | ₹4,66,507 |
| Year 3 | 0.7513 | ₹5,13,158 |
| Year 4 | 0.6830 | ₹5,64,474 |
| Year 5 | 0.6209 | ₹6,20,921 |
| Year 6 | 0.5645 | ₹6,83,013 |
| Year 7 | 0.5132 | ₹7,51,315 |
| Year 8 | 0.4665 | ₹8,26,446 |
| Year 9 | 0.4241 | ₹9,09,091 |
| Year 10 | 0.3855 | ₹10,00,000 |
This projection assumes a constant rate of return for the whole period. It is an estimate only — actual returns vary, are not guaranteed, and nothing here is investment advice.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
A rupee received years from now is worth less than a rupee today, because today's rupee can be invested in the meantime. Present value discounts a future amount back at the rate you could otherwise earn — the same relation as future value, solved the other way.
Formula
- PV = FV ÷ (1 + r)^n
- Discount factor = 1 ÷ (1 + r)^n
Frequently asked questions
What discount rate should I use?
Usually the return you could realistically earn on comparable, similarly risky money. A higher rate discounts the future amount more heavily.
Can I use this to size a goal?
It tells you the single amount needed today. If you would rather invest monthly towards it, use the goal SIP calculator.