How often does the interest compound in this calculator?

It compounds annually, applying FV = PV × (1+r)ⁿ once per year for n years. If your rate compounds monthly or quarterly, convert the rate and period count to match that frequency before entering them.

How do I find present value instead of future value?

Enter the known future amount as the known value and switch to present value mode — the calculator rearranges the same formula to PV = FV ÷ (1+r)ⁿ, discounting the future amount back to today's value.

Present & Future Value Calculator

Calculate the present or future value of a lump sum using time value of money.

How this is calculated

FV = PV × (1+r)ⁿ

Assumptions used in this calculation

Annual compounding: Uses a single compounding period per year; sub-annual (monthly or quarterly) compounding requires converting the rate and period count before entering them.

About this calculator

Calculates present value or future value using the time-value-of-money formula, consolidating the master prompt's separate Present Value and Future Value calculators, since both solve the identical formula for different variables.

Worked example

₹10,000 at 8% for 5 years

Result: Future value ≈ ₹14,693

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Frequently asked questions

How often does the interest compound in this calculator?

How do I find present value instead of future value?

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