💰 Financial Calculator
A PV and FV Calculator helps you understand both sides of the time value of money — the value of money today (Present Value) and the value of money in the future (Future Value).
Money changes its worth over time due to compounding, inflation, and opportunity cost. Whether you are planning investments, estimating future wealth, or comparing financial options, combining Present Value (PV) and Future Value (FV) in one calculator gives a complete financial picture.
This free calculator allows you to calculate:
- Present Value using discount rate and inflation
- Future Value using compound interest and CAGR
- Year-wise value growth
- Inflation-adjusted results
All calculations are shown in Indian Rupees (₹).
What Is Present Value (PV)?
Present Value (PV) is the current worth of money that will be received or paid in the future, adjusted for time and risk.
Simple example:
Receiving ₹1,00,000 today is more valuable than receiving ₹1,00,000 after 5 years, because today’s money can be invested and grow.
Present Value answers this question:
“How much is future money worth today?”
What Is Future Value (FV)?
Future Value (FV) is the value of money at a future date, assuming it grows at a certain rate over time due to compound interest or CAGR.
Future Value answers the opposite question:
“What will be the future value of the money you have today?”
This is especially useful for:
- Investment planning
- Wealth estimation
- Asset growth calculation
- Long-term financial goal setting
Why Use a Combined PV and FV Calculator?
Using both PV and FV together helps you:
- Understand full money life-cycle (today ↔ future)
- Compare investment alternatives realistically
- Adjust calculations for inflation
- Analyze compound growth properly
- Make long-term financial decisions with clarity
This tool is ideal for students, investors, financial planners, analysts, and long-term investors.
How Present Value and Future Value Work Together
| Scenario | Use |
| Evaluating future money today | Present value |
| Estimating the growth of today’s money | Future Value |
| Investment decision | PV + FV combined |
| Inflation-adjusted planning | Both |
Together, PV and FV explain how money moves through time.
Present Value Calculator Formula (Discount Rate)
The standard Present Value formula is:
PV = FV / (1 + r)ⁿ
Where:
- PV = Present Value
- FV = Future Value
- r = Discount Rate (per year)
- n = Number of years
Future Value Calculator Formula (Compound Rate)
The standard Future Value formula is:
FV = PV × (1 + r)ⁿ
Where:
- FV = Future Value
- PV = Present Value
- r = Growth Rate / CAGR
- n = Number of years
This formula works for:
- Annual compounding
- CAGR-based growth
- Long-term investment calculations
Advantages of This Free PV and FV Calculator
- Free and easy to use
- Supports compound interest & CAGR
- Inflation-adjusted calculations
- Year-wise value display
- Suitable for Indian users
- Beginner-friendly
- Professional accuracy
Final Thoughts
A PV and FV Calculator brings together the most important concept in finance — the time value of money. By understanding both present value and future value, you gain control over how money behaves across time.
Whether you are estimating future wealth or evaluating present opportunities, this calculator helps you make realistic, data-driven financial decisions.
Is present value the reverse of future value?
Yes. Present value discounts future money, while future value grows today’s money over time.
Does this calculator support annual compounding?
Yes. All future value calculations are based on annual compounding.
Why inflation matters in PV and FV calculations?
Inflation reduces real purchasing power. Ignoring it can give misleading results.
Is CAGR the same as annual return?
CAGR is the average annual growth rate over time, smoothing short-term fluctuations.