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Present Value of An Amount: (1 + i)-n

The present value P of an amount to be paid N years in the future (F) at a discount rate of i per annum is P = F(1 + i)-n. The factor (1 + i)-n is the Discount Factor for the present value of $1 received at stated future date.

How To Use:

  • You need to find the present value for $1,000,000 paid 5 years in the future at a discount rate of 7½% per annum.
  • Find the column with N Years = 5
  • Find the row 7½%, the discount factor inside the cell is .696559
    See How To Read Numbers in Tables.
  • The present value of $1,000,000 paid 5 years in the future is
    $1,000,000 × 0.696559 = $696,559
i %N Years
12345678910
1.990099.980296.970590.960980.951466.942045.932718.923483.914340.905287
1¼.987654.975461.963418.951524.939777.928175.916716.905398.894221.883181
1½.985222.970662.956317.942184.928260.914542.901027.887711.874592.861667
1¾.982801.965898.949285.932959.916913.901143.885644.870412.855441.840729
2.980392.961169.942322.923845.905731.887971.870560.853490.836755.820348
2¼.977995.956474.935427.914843.894712.875024.855769.836938.818522.800510
2½.975610.951814.928599.905951.883854.862297.841265.820747.800728.781198
2¾.973236.947188.921838.897166.873154.849785.827041.804906.783364.762398
3.970874.942596.915142.888487.862609.837484.813092.789409.766417.744094
3¼.968523.938037.908510.879913.852216.825391.799410.774247.749876.726272
3½.966184.933511.901943.871442.841973.813501.785991.759412.733731.708919
3¾.963855.929017.895438.863073.831878.801810.772829.744895.717971.692020
12345678910
4.961538.924556.888996.854804.821927.790315.759918.730690.702587.675564
4¼.959233.920127.882616.846634.812119.779011.747253.716789.687568.659537
4½.956938.915730.876297.838561.802451.767896.734828.703185.672904.643928
4¾.954654.911364.870037.830585.792921.756965.722640.689871.658588.628723
5.952381.907029.863838.822702.783526.746215.710681.676839.644609.613913
5¼.950119.902726.857697.814914.774265.735643.698949.664084.630959.599486
5½.947867.898452.851614.807217.765134.725246.687437.651599.617629.585431
5¾.945626.894209.845588.799611.756133.715019.676141.639377.604612.571737
6.943396.889996.839619.792094.747258.704961.665057.627412.591898.558395
6¼.941176.885813.833706.784665.738508.695067.654180.615699.579481.545394
6½.938967.881659.827849.777323.729881.685334.643506.604231.567353.532726
6¾.936768.877535.822046.770067.721374.675760.633031.593003.555506.520381
12345678910
7.934579.873439.816298.762895.712986.666342.622750.582009.543934.508349
7¼.932401.869371.810603.755807.704715.657077.612659.571244.532628.496623
7½.930233.865333.804961.748801.696559.647962.602755.560702.521583.485194
7¾.928074.861322.799371.741875.688515.638993.593033.550379.510792.474053
8.925926.857339.793832.735030.680583.630170.583490.540269.500249.463193
8¼.923788.853383.788345.728263.672760.621488.574123.530367.489947.452607
8½.921659.849455.782908.721574.665045.612945.564926.520669.479880.442285
8¾.919540.845554.777521.714962.657436.604539.555898.511171.470042.432222
9.917431.841680.772183.708425.649931.596267.547034.501866.460428.422411
9¼.915332.837832.766895.701963.642529.588127.538332.492752.451032.412844
9½.913242.834011.761654.695574.635228.580117.529787.483824.441848.403514
9¾.911162.830216.756461.689258.628026.572233.521397.475077.432872.394416
10.909091.826446.751315.683013.620921.564474.513158.466507.424098.385543


i %N Years
11121314151617181920
1.896324.887449.878663.869963.861349.852821.844377.836017.827740.819544
1¼.872277.861509.850873.840368.829993.819746.809626.799631.789759.780009
1½.848933.836387.824027.811849.799852.788031.776385.764912.753607.742470
1¾.826269.812058.798091.784365.770875.757616.744586.731780.719194.706825
2.804263.788493.773033.757875.743015.728446.714163.700159.686431.672971
2¼.782895.765667.748819.732341.716226.700466.685052.669978.655235.640816
2½.762145.743556.725420.707727.690466.673625.657195.641166.625528.610271
2¾.741993.722134.702807.683997.665691.647874.630535.613659.597235.581251
3.722421.701380.680951.661118.641862.623167.605016.587395.570286.553676
3¼.703411.681270.659826.639056.618941.599458.580589.562314.544614.527471
3½.684946.661783.639404.617782.596891.576706.557204.538361.520156.502566
3¾.667008.642899.619662.597264.575676.554869.534813.515483.496851.478892
11121314151617181920
4.649581.624597.600574.577475.555265.533908.513373.493628.474642.456387
4¼.632650.606858.582118.558387.535623.513787.492841.472749.453477.434989
4½.616199.589664.564272.539973.516720.494469.473176.452800.433302.414643
4¾.600213.572996.547013.522208.498528.475922.454341.433738.414070.395293
5.584679.556837.530321.505068.481017.458112.436297.415521.395734.376889
5¼.569583.541171.514177.488529.464161.441008.419010.398109.378251.359383
5½.554911.525982.498561.472569.447933.424581.402447.381466.361579.342729
5¾.540650.511253.483454.457167.432309.408803.386575.365555.345679.326883
6.526788.496969.468839.442301.417265.393646.371364.350344.330513.311805
6¼.513312.483117.454699.427952.402778.379085.356786.335799.316046.297455
6½.500212.469683.441017.414100.388827.365095.342813.321890.302244.283797
6¾.487476.456652.427777.400728.375389.351653.329417.308587.289075.270796
11121314151617181920
7.475093.444012.414964.387817.362446.338735.316574.295864.276508.258419
7¼.463052.431750.402564.375351.349978.326320.304261.283693.264516.246635
7½.451343.419854.390562.363313.337966.314387.292453.272049.253069.235413
7¾.439957.408312.378944.351688.326393.302917.281129.260909.242143.224727
8.428883.397114.367698.340461.315242.291890.270269.250249.231712.214548
8¼.418112.386247.356810.329617.304496.281289.259852.240048.221753.204853
8½.407636.375702.346269.319142.294140.271097.249859.230285.212244.195616
8¾.397446.365468.336062.309023.284159.261295.240272.220939.203163.186816
9.387533.355535.326179.299246.274538.251870.231073.211994.194490.178431
9¼.377889.345894.316608.289801.265264.242805.222247.203430.186206.170440
9½.368506.336535.307338.280674.256323.234085.213777.195230.178292.162824
9¾.359377.327450.298360.271855.247703.225698.205647.187378.170732.155564
10.350494.318631.289664.263331.239392.217629.197845.179859.163508.148644


i %N Years
21222324252627282930
1.811430.803396.795442.787566.779768.772048.764404.756836.749342.741923
1¼.770379.760868.751475.742197.733034.723984.715046.706219.697500.688889
1½.731498.720688.710037.699544.689206.679021.668986.659099.649359.639762
1¾.694668.682720.670978.659438.648096.636950.625995.615228.604647.594248
2.659776.646839.634156.621721.609531.597579.585862.574375.563112.552071
2¼.626715.612925.599437.586247.573346.560730.548391.536324.524522.512980
2½.595386.580865.566697.552875.539391.526235.513400.500878.488661.476743
2¾.565694.550554.535819.521478.507521.493938.480718.467852.455331.443144
3.537549.521893.506692.491934.477606.463695.450189.437077.424346.411987
3¼.510868.494787.479213.464129.449519.435370.421666.408393.395538.383088
3½.485571.469151.453286.437957.423147.408838.395012.381654.368748.356278
3¾.461583.444899.428819.413319.398380.383981.370102.356725.343831.331403
21222324252627282930
4.438834.421955.405726.390121.375117.360689.346817.333477.320651.308319
4¼.417256.400246.383929.368277.353263.338862.325047.311796.299085.286892
4½.396787.379701.363350.347703.332731.318402.304691.291571.279015.267000
4¾.377368.360256.343920.328324.313436.299223.285655.272701.260335.248530
5.358942.341850.325571.310068.295303.281241.267848.255094.242946.231377
5¼.341457.324425.308242.292866.278258.264378.251190.238661.226756.215445
5½.324862.307926.291873.276657.262234.248563.235605.223322.211679.200644
5¾.309109.292302.276408.261379.247167.233728.221019.209002.197637.186891
6.294155.277505.261797.246979.232999.219810.207368.195630.184557.174110
6¼.279958.263490.247990.233402.219673.206751.194589.183143.172370.162230
6½.266476.250212.234941.220602.207138.194496.182625.171479.161013.151186
6¾.253673.237633.222607.208531.195345.182993.171422.160583.150429.140917
21222324252627282930
7.241513.225713.210947.197147.184249.172195.160930.150402.140563.131367
7¼.229962.214417.199923.186408.173807.162058.151103.140889.131365.122484
7½.218989.203711.189498.176277.163979.152539.141896.131997.122788.114221
7¾.208563.193562.179640.166719.154728.143599.133270.123685.114789.106532
8.198656.183941.170315.157699.146018.135202.125187.115914.107328.099377
8¼.189240.174818.161495.149187.137817.127314.117611.108647.100367.092718
8½.180292.166167.153150.141152.130094.119902.110509.101851.093872.086518
8¾.171785.157963.145254.133567.122820.112938.103851.095495.087811.080746
9.163698.150182.137781.126405.115968.106393.097608.089548.082155.075371
9¼.156009.142800.130709.119642.109513.100240.091753.083985.076874.070365
9½.148697.135797.124015.113256.103430.094457.086262.078778.071943.065702
9¾.141744.129152.117678.107224.097698.089019.081111.073905.067339.061357
10.135131.122846.111678.101526.092296.083905.076278.069343.063039.057309


i %N Years
31323334353637383940
1.734577.727304.720103.712973.705914.698925.692005.685153.678370.671653
1¼.680384.671984.663688.655494.647402.639409.631515.623719.616019.608413
1½.630308.620993.611816.602774.593866.585090.576443.567924.559531.551262
1¾.584027.573982.564111.554408.544873.535502.526292.517240.508344.499601
2.541246.530633.520229.510028.500028.490223.480611.471187.461948.452890
2¼.501692.490652.479856.469296.458970.448870.438993.429333.419885.410646
2½.465115.453771.442703.431905.421371.411094.401067.391285.381741.372431
2¾.431284.419741.408507.397574.386933.376577.366499.356690.347143.337852
3.399987.388337.377026.366045.355383.345032.334983.325226.315754.306557
3¼.371029.359350.348039.337084.326473.316197.306244.296604.287268.278226
3½.344230.332590.321343.310476.299977.289833.280032.270562.261413.252572
3¾.319425.307879.296751.286025.275687.265722.256118.246861.237938.229338
31323334353637383940
4.296460.285058.274094.263552.253415.243669.234297.225285.216621.208289
4¼.275196.263977.253215.242892.232990.223492.214381.205641.197257.189216
4½.255502.244500.233971.223896.214254.205028.196199.187750.179665.171929
4¾.237260.226501.216231.206425.197065.188129.179598.171454.163679.156257
5.220359.209866.199873.190355.181290.172657.164436.156605.149148.142046
5¼.204699.194488.184787.175569.166812.158491.150585.143074.135937.129156
5½.190184.180269.170871.161963.153520.145516.137930.130739.123924.117463
5¾.176729.167120.158033.149440.141315.133631.126365.119494.112997.106853
6.164255.154957.146186.137912.130105.122741.115793.109239.103056.097222
6¼.152687.143706.135252.127296.119808.112761.106128.099885.094009.088479
6½.141959.133295.125159.117520.110348.103613.097289.091351.085776.080541
6¾.132007.123660.115840.108516.101654.095226.089205.083564.078280.073331
31323334353637383940
7.122773.114741.107235.100219.093663.087535.081809.076457.071455.066780
7¼.114205.106484.099286.092575.086317.080482.075041.069969.065239.060829
7½.106252.098839.091943.085529.079562.074011.068847.064044.059576.055419
7¾.098870.091759.085159.079034.073349.068073.063177.058633.054416.050502
8.092016.085200.078889.073045.067635.062625.057986.053690.049713.046031
8¼.085651.079124.073094.067523.062377.057623.053231.049174.045427.041965
8½.079740.073493.067736.062429.057539.053031.048876.045047.041518.038266
8¾.074249.068275.062782.057730.053085.048814.044887.041275.037954.034900
9.069148.063438.058200.053395.048986.044941.041231.037826.034703.031838
9¼.064407.058954.053963.049394.045212.041384.037880.034672.031737.029050
9½.060002.054796.050042.045700.041736.038115.034808.031788.029030.026512
9¾.055906.050940.046414.042291.038534.035110.031991.029149.026560.024200
10.052099.047362.043057.039143.035584.032349.029408.026735.024304.022095


i %N Years
41424344454647484950
1.665003.658419.651900.645445.639055.632728.626463.620260.614119.608039
1¼.600902.593484.586157.578920.571773.564714.557742.550856.544056.537339
1½.543116.535089.527182.519391.511715.504153.496702.489362.482130.475005
1¾.491008.482563.474264.466107.458090.450212.442469.434858.427379.420029
2.444010.435304.426769.418401.410197.402154.394268.386538.378958.371528
2¼.401610.392772.384129.375677.367410.359325.351418.343685.336122.328726
2½.363347.354485.345839.337404.329174.321146.313313.305671.298216.290942
2¾.328810.320010.311445.303109.294997.287102.279418.271939.264661.257578
3.297628.288959.280543.272372.264439.256737.249259.241999.234950.228107
3¼.269468.260986.252771.244815.237109.229645.222417.215416.208635.202068
3½.244031.235779.227806.220102.212659.205468.198520.191806.185320.179053
3¾.221049.213059.205358.197935.190781.183885.177239.170833.164658.158707
41424344454647484950
4.200278.192575.185168.178046.171198.164614.158283.152195.146341.140713
4¼.181502.174103.167005.160197.153666.147401.141392.135628.130099.124795
4½.164525.157440.150661.144173.137964.132023.126338.120898.115692.110710
4¾.149171.142407.135949.129784.123899.118281.112917.107797.102909.098242
5.135282.128840.122704.116861.111297.105997.100949.096142.091564.087204
5¼.122714.116593.110777.105251.100001.095013.090274.085771.081492.077427
5½.111339.105535.100033.094818.089875.085190.080748.076539.072549.068767
5¾.101043.095549.090353.085440.080795.076402.072247.068319.064604.061092
6.091719.086527.081630.077009.072650.068538.064658.060998.057546.054288
6¼.083275.078376.073766.069427.065343.061499.057882.054477.051272.048256
6½.075625.071010.066676.062606.058785.055197.051828.048665.045695.042906
6¾.068694.064350.060281.056469.052899.049554.046420.043485.040736.038160
41424344454647484950
7.062412.058329.054513.050946.047613.044499.041587.038867.036324.033948
7¼.056717.052883.049308.045975.042867.039969.037267.034748.032399.030209
7½.051553.047956.044610.041498.038603.035910.033404.031074.028906.026889
7¾.046870.043499.040370.037466.034771.032270.029949.027795.025796.023941
8.042621.039464.036541.033834.031328.029007.026859.024869.023027.021321
8¼.038766.035812.033083.030561.028232.026081.024093.022257.020560.018993
8½.035268.032505.029959.027612.025448.023455.021617.019924.018363.016924
8¾.032092.029510.027136.024952.022945.021099.019401.017840.016405.015085
9.029209.026797.024584.022555.020692.018984.017416.015978.014659.013449
9¼.026590.024339.022278.020392.018665.017085.015638.014314.013102.011993
9½.024211.022111.020193.018441.016841.015380.014045.012827.011714.010698
9¾.022050.020091.018306.016680.015198.013848.012618.011497.0104763z95449
10.020086.018260.016600.015091.013719.012472.011338.0103073z937043z85186
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