Present Value Calculator
Calculate the present value of future cash flows. Discount future money to today's dollars using the time value of money.
Your Monthly EMI
₹1,161
Principal
₹1,00,000
Total Interest
₹39,330
Total Payable
₹1,39,330
Breakdown
Principal: ₹1,00,000 (72%)
Total Interest: ₹39,330 (28%)
Interest-to-Principal: 39.3%
📊 Interactive EMI Breakdown
Principal vs Interest
Principal: ₹1.00 L
Interest: ₹39,330
Year-by-Year Payment Split
Loan Scenario Comparison
| Metric | Your plan | +1% Interest (8.0%) | +12 Months (132mo) |
|---|---|---|---|
| Monthly EMI | ₹1,161 | ₹1,213 ↑ ₹52 | ₹1,088 ↓ ₹73 |
| Total Interest | ₹39,330 | ₹45,593 ↑ ₹6,263 | ₹43,670 ↑ ₹4,340 |
| Total Payable | ₹1,39,330 | ₹1,45,593 | ₹1,43,670 |
What Is Present Value?
PV is the current worth of a future sum, discounted at a specific rate. A dollar today > a dollar tomorrow because today's can be invested.
Formula
Lump sum: PV = FV / (1 + r)n
Applications
- Lottery: lump sum vs. annual payments
- Pension buyouts
- Business valuation
Example
$100,000 in 10 years at 7%: PV = $50,835