Present Value Calculator
Updated on 22 Oct 2026 · Checked by Aotob
$100,000 in 10 years is worth $61,391 today.
That uses a yearly discount rate of 5%: what you could earn elsewhere, or inflation.
Worth today
$61,391
To have $100,000 in 10 years at 5% a year, you would invest $61,391 today.
Show the working
PV = 100,000 ÷ (1 + 5%)10 = 61,391
At other discount rates
| Rate | Worth today |
|---|---|
| 2% | 82,035 |
| 3% | 74,409 |
| 4% | 67,556 |
| 5% | 61,391 |
| 6% | 55,839 |
| 8% | 46,319 |
| 10% | 38,554 |
Questions people ask
What is present value?
What a payment in the future is worth to you today, because money now can earn a return in the meantime.
Which discount rate should I use?
The return you could get elsewhere for similar risk: a savings rate for a safe payment, a higher rate for an uncertain one. Use inflation to see it in today’s money.
Where is it used?
Comparing a lump sum with payments later, pricing bonds, lottery and settlement payouts, and valuing businesses.
Updated 22 Oct 2026Source: Standard financial maths (time value of money)Checked by AotobNot financial advice.Report an issue