All tools › Money and time
Present value
What money in the future is worth now, and how much of it the discount takes
It runs entirely in this browser tab: what you type is never uploaded, and the tool makes no network request while it works. Open your browser's network panel and try it — nothing leaves the page. There is no sign-up and no account.
Settings
- Compounding
- How often the interest is added. Five per cent monthly is 5.116 per cent a year, and a rate quoted without this is not a rate. Choices: Yearly, Twice a year, Quarterly, Monthly, Fortnightly, Weekly, Daily.
- Paid at the start
- An annuity due: every payment earns one more period, which over thirty years is most of a year's contributions.
How to use it
- Paste your text into the box above, or open a file.
- Adjust the settings beside it until the result is what you wanted.
- Copy the result, or save it as a file. The result updates as you type.
Questions
- Does this fetch live prices?
- No. Every price, rate and return here is one you typed in. Nothing on this page makes a network request, which is also why it cannot be out of date: there is nothing in it to go stale.
- Is tax taken into account?
- Only the rate you set. Exemptions, holding periods, what may be offset against what and how long a loss may be carried differ by country and by year, and a calculator that guessed would be wrong for almost everybody while looking authoritative.
- Is this financial advice?
- No. These are calculators: they turn the numbers you give them into other numbers. Every future rate of return is an assumption you made, and the past does not promise it — which each tool that takes one says on its own result.
- Is what I type uploaded anywhere?
- No. This page carries the whole tool as WebAssembly and runs it on your own device. Nothing you type is sent anywhere, and there is no network request to make while it works.
Other tools for money and time
Compound annual growth
The one rate that makes two investments over different spans comparable
Future value
What a sum and a stream of deposits grow to, and what that is in today's money
Annuity
A regular payment from either end: what it comes to, and what a pot would pay
Compounding frequency
What compounding more often is actually worth, which is less than everybody expects
Real rate of return
What is left of a return after fees, tax and inflation, in that order
All twenty-seven tools