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
โน1,161
Principal
โน1,00,000
Total Interest
โน39,330
Total Payable
โน1,39,330
Breakdown
Principal: โน1,00,000 (72%)
Total Interest: โน39,330 (28%)
Interest-to-Principal: 39.3%
๐ Interactive EMI Breakdown
Principal vs Interest
Principal: โน1.00 L
Interest: โน39,330
Year-by-Year Payment Split
Loan Scenario Comparison
| Metric | Your plan | +1% Interest (8.0%) | +12 Months (132mo) |
|---|---|---|---|
| Monthly EMI | โน1,161 | โน1,213 โ โน52 | โน1,088 โ โน73 |
| Total Interest | โน39,330 | โน45,593 โ โน6,263 | โน43,670 โ โน4,340 |
| Total Payable | โน1,39,330 | โน1,45,593 | โน1,43,670 |
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