Present Value Calculator

Future value (target amount) Annual rate (%) Years Periodic deposit (optional, per month)

Present value needed today $0.00

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Free present value calculator that combines a lump-sum future value with optional periodic deposits in one formula — we checked calculator.net's present value calculator directly and it treats lump-sum and periodic-deposit scenarios as two separate calculators, with no way to combine them, and never shows the formula it used.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

Enter the future value (target amount) you want to have
Add rate, years, and an optional periodic deposit
See the present value needed today, with the exact formula and numbers plugged in shown below the result

Frequently asked questions

Can I combine a lump sum and periodic deposits in one calculation?

Yes — enter a periodic deposit alongside your target future value and both are factored into a single present value figure. We checked calculator.net's version directly and it splits these into two separate calculators with no way to combine them.

Why show the formula and the plugged-in numbers?

So you can verify the math yourself or plug the same numbers into a different tool. The competitor we checked doesn't explain its formula anywhere on the page.

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From the blog

finance-calc

Want present value of a lump sum AND monthly deposits together? That's apparently two calculators.

calculator.net splits present value into a lump-sum tool and a separate periodic-deposits tool — with no way to combine them, and no formula shown either.

2026-09-01

Update history

2026-09-01 Added: a cover image (a coin today with a dotted arrow reaching back from a larger future coin stack, shrinking as it travels) — used as the card thumbnail, social share image, and blog title image.
2026-09-01 Launched: present value calculator (no button) — combined lump-sum and periodic-deposit present value in one formula, with the calculation shown. Entirely client-side.