Calculadora de Valor Presente
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
VP = VF / (1 + i)ⁿ
About this calculator
The Present Value Calculator helps you determine how much a future amount is worth today, discounted at a given interest rate over a specific period. The concept of present value is fundamental in finance, allowing comparison of amounts received at different points in time. For example, when deciding between receiving $1,000 today or $1,100 one year from now, the present value of the future amount depends on the interest rate you could earn by investing the money.
The formula used is PV = FV / (1 + i)^n, where PV is the present value, FV is the future value, i is the interest rate per period (in decimal), and n is the number of periods. The calculator applies this formula automatically: you input the future value, interest rate, and term, and it returns the present value. It is important to use the interest rate in the same time unit as the term (e.g., monthly rate for months).
You can use this calculator in various practical situations, such as evaluating investments, calculating the current value of a bond or debt, or deciding between receiving a sum now or in the future. For instance, if you have the option to receive $10,000 in 5 years and the discount rate is 8% per year, the present value shows what that amount is worth today. This aids in making more informed financial decisions.
Caveats: Ensure the interest rate is in decimal form (e.g., 10% = 0.10) and the term matches the time unit of the rate. Remember that the formula assumes compound interest and a constant rate over the period. For variable rates, the calculation is more complex. Also, present value does not account for inflation or risk; it is merely a time comparison tool.
Frequently asked questions
What is the difference between present value and future value?
Present value is the current worth of a future amount discounted at an interest rate. Future value is the amount a current sum will grow to in the future at a given interest rate. One is the inverse of the other.
Can I use this calculator to find the present value of a series of payments?
No, this calculator is for a single future amount. For a series of payments (annuities), you need an annuity present value calculator.
What if the interest rate is annual and the term is in months?
Convert the annual rate to a monthly rate by dividing by 12 (simple interest) or use the equivalent compound rate. The calculator expects the rate and term to be in the same time unit.
Does the calculator account for inflation?
No, the calculator only considers the given interest rate. To include inflation, use a real discount rate (nominal rate minus inflation).
Why is the present value always less than the future value?
Because money has time value: a sum today is worth more than the same sum in the future due to earning potential. Discounting makes the present value smaller.