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Present Value Calculator

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Present Value of Future Income Stream

Estimates the lump sum today that is equivalent to a future stream of growing annual income, discounted back to present value.

Inputs
$
Year 1 annual income or loss-of-earnings amount.
%
Need help choosing a growth rate? Visit the U.S. Bureau of Labor Statistics (BLS) CPS site and select a growth rate suitable for your situation.
%
Need help choosing a discount rate? Visit the U.S. Treasury interest rates page and pick a rate suitable for you (e.g., many users choose a long-term rate such as the 30-year Treasury).
Net Discount Rate (Discount Rate − Growth Rate):
Note: The growth rate exceeds the discount rate (net discount rate is negative). The present value calculation will still run correctly, but please verify your inputs.
Results
Present Value of Future Income Stream
Total Undiscounted Income
Net Discount Rate
Time Period
Year Projected Annual Amount Discount Factor PV of Year

This calculator is for estimation purposes only and does not constitute legal, financial, or actuarial advice.

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