---
title: "Present Value and Future Value Calculator | MCC Solutions"
description: "Find the future value of money today, or the present value of a future amount, at a yearly rate. Free and private."
url: "https://mcc-solutionsnj.com/bookkeeping/present-value-and-future-value-calculator"
---

Free tool

# Present value and future value calculator

See what an amount will be worth later, or what a future amount is worth today.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

What do you want?

Amount ($)

Yearly rate (%)

Years

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

Share

## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

[See every calculator you can embed](/embed)

How it works

## How it works

**Future value = amount x (1 + rate)^years.** **Present value = future amount divided by (1 + rate)^years.** Interest is compounded yearly.

FAQ

## About this calculator

**What is the time value of money?**

A dollar today is worth more than a dollar later because today's dollar can earn interest.

**Which rate should I use for present value?**

A discount rate that reflects what you could earn elsewhere and the risk involved.

**Does it compound monthly?**

No. It compounds once a year. The compound interest calculator lets you pick the frequency.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

**Is this tax or financial advice?**

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

Related: [compound interest calculator](/bookkeeping/compound-interest-calculator), [npv calculator](/bookkeeping/npv-calculator). See [all free tools](/free-tools). More free tools: [Compound interest calculator](/bookkeeping/compound-interest-calculator), [Prorated rent calculator](/bookkeeping/prorated-rent-calculator), [LTV and CAC calculator](/bookkeeping/ltv-and-cac-calculator), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

### Business Planning Bundle

Plan the cash, set the budget, price for profit and watch the monthly numbers, in four workbooks that use the same plain method.

[See what's inside ($79)](/toolkits/business-planning-bundle)14-day full refund

## Want your books and numbers handled?

[Free health check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)