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This financial calculator will help you calculate the past, present and future values of a lump sum payment. How much would it mean, for example, if a highly reliable source like a pension company or government were to promise to give you $1 million in 20 years? Could you sell that promise? How much would you sell it for?

Note that results vary widely depending on expected investment returns. Be sure to carefully assess your risk profile and carefully determine an appropriate rate of return for you.

The answer might surprise you, so go ahead and try a few scenarios in the calculators below.

Calculating Present Value

The amount of money, in US dollars, you will receive in the future
The year the funds will be received
The average inflation rate since 2000 is 2.38%. Since 1980, 2.95%.
Stock market returns are 6.88% per year since 2000. Since 1980, 11.73%.

Results

Results will be shown once calculated.

Calculating Future Value

The amount of money, in US dollars, you will receive in the future
The year in the future to evaluate growth of funds.
The average inflation rate since 2000 is 2.38%. Since 1980, 2.95%.
Stock market returns are 6.88% per year since 2000. Since 1980, 11.73%.

Results

Results will be shown once calculated.

Calculating Past Value

Using historical inflation adjustments, this form allows the user to enter a dollar value today. The output will report how much money that would have equated to in a prior year.

The amount of money, in US dollars.
The year the funds will be received

Results

Results will be shown once calculated.

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