Present Valor calculator

Cómo usar la Present Valor calculator

Qué calcula y cuándo usarla

Present value tells you what money you will receive en the future es worth today, using a discount rate that reflects what you could earn o the risk you are taking.

Cómo usarla, paso a paso

1. Enter the future lump Suma, y cualquiera regular payment you will receive.
2. Choose how many payments al año, the Descuento Tipo y the años.
3. Read the present Valor y how much es lost a waiting.

Qué significa cada dato

• Tasa de descuento – The Tipo used a bring future money back a today.
• Payments A the Inicio – Treats Cada uno payment as arriving A the beginning de its Periodo.

Cómo leer los resultados

• Present Valor – Lump Suma y payments valued today.
• Valor lost a waiting – Total cash received minus its present Valor.

La fórmula

PV = FV ÷ (1 + r)^n + PMT × (1 − (1 + r)^−n) ÷ r. r es the rate per period y n the number de periods.

Un ejemplo práctico

A lump sum de 20,000 en 10 years at a 5% discount rate es worth 12,143.22 today. The 7,856.78 difference es the cost de waiting.

Supuestos y límites

• The Descuento Tipo es constant.
• Inflation bote be included by using a real Tipo.

Errores comunes

• Using too Mínimo a Descuento Tipo por risky money.
• Mixing Anual rates with Mensual periods.

Preguntas frecuentes

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