How this calculator works
The rate must match the period: an annual rate belongs with years, and a monthly rate with months. This is a single cash flow with no recurring contributions. Negative rates above −100% are supported, subject to numeric range limits.
The formula
Future value = present value × (1 + rate/100)^periods. Present value = future value / (1 + rate/100)^periods.A quick example
A future receipt of 12,100 discounted at 10% for two periods has a present value of 10,000.
How to use this calculator
- Choose the settings that match your scenario, using the units shown beside each field.
- Enter known value, rate per period (%), number of periods.
- Calculate, then review the method and assumptions alongside the results.
A few common questions
Does a currency choice change the calculation?
No. It labels the amounts without performing exchange conversion.
What does a zero discount rate mean?
No growth or discount is applied, so present and future values are identical.