Present 数值 calculator
Today’s 数值 a future sum 或 a stream future payments, discounted at a chosen rate.
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关于Present 数值 calculator
Today’s 数值 a future sum 或 a stream future payments, discounted at a chosen rate.
属于 SmartCalcy“投资与储蓄”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Present 数值 calculator
它计算什么，何时使用
the future 的 Present value tells you what money you will receive 是 worth today, using a discount rate that reflects what you could earn 或 the risk you are taking.
使用步骤
- Enter the future lump 总和, 和 any regular payment you will receive.
- 每年 Choose how many payments、the 折扣 利率、the 年.
- Read the present 数值 和 how much 是 lost 至 waiting.
各输入项的含义
- 折现率 – The 利率 used 至 bring future money back 至 today.
- Payments 以 the 开始 – Treats 每件 payment as arriving 以 the beginning its 周期.
如何阅读结果
- Present 数值 – Lump 总和 和 payments valued today.
- 数值 lost 至 waiting – 总计 cash received minus its present 数值.
公式
PV = FV ÷ (1 + r)^n + PMT × (1 − (1 + r)^−n) ÷ r. r 是 the rate per period 和 n the number periods.
计算示例
A lump sum 10 years at a 5% discount rate 的 20,000 是 worth 12,143.22 today. The 7,856.78 difference 是 the cost waiting.
假设与局限
- The 折扣 利率 是 constant.
- Inflation 罐 be included by using a real 利率.
常见错误
- Using too 最低 a 折扣 利率件risky money.
- Mixing 每年 rates with 每月 periods.
常见问题
What 折扣 利率 should I use?
Use the return you could earn on a similar-risk alternative.
相关工具
Present 数值
£12,143.22
Money received over 10 年, valued today 以 5%
详情
- Lump 总和, valued today
- £12,143.22
- 总计 received
- £20,000.00
- 数值 lost 至 waiting
- £7,856.78