mBooks.ai/Tools/Time Value Calculator

Time Value of Money Calculator

Calculate what future money is worth in today's terms using the Present Value formula

Enter a future amount and see what it's actually worth today

Future money amount

₹

₹10,000₹1,00,00,000

Discount rate (p.a)

1%25%

Years to wait

1Yr30Yr

Future Money Promise

₹1,00,000

in 5 years

Present Value (Today)

₹71,299

what it's actually worth now

Money Lost to Time

₹28,701

(28.7% less valuable)

The future money loses 28.7% of its value due to time

Having ₹71,299 today is better than waiting

Company offers ₹1,80,000 in 2 years vs ₹1,50,000 today at 7% rate

₹1,80,000 (Future) = ₹1,57,230 (Today)

₹1,50,000 (Today) = ₹1,50,000

Future option is ₹7,230 better!

Promised ₹1,00,000 in 5 years at 12% opportunity cost

₹1,00,000 (Future) = ₹56,743 (Today)

Lost to time: ₹43,257

43.26% value erosion

Need ₹50,00,000 in 20 years at 8% inflation

₹50,00,000 (Future) = ₹10,72,885 (Today)

Save ₹10.7L today for ₹50L later

78.54% value preserved

PV = FV ÷ (1 + r)^n