VPL (Valor Presente Líquido) — Calculadora Online Grátis
Present value of future cash flows with discount rate
The Present Value Calculator discounts a future sum of money back to its equivalent value today, using a discount rate that reflects the time value of money and risk. It answers: "What is $100,000 five years from now worth in today's dollars if I expect a 7% return?"
Frequently Asked Questions
Sobre Esta Calculadora
Present Value (PV) is one of the foundational concepts in finance: a dollar received in the future is worth less than a dollar today, because today's dollar can be invested and grow. The discount rate represents the opportunity cost of capital — the return you could earn by investing the money now rather than waiting.
PV calculations are used everywhere: in bond pricing (the price of a bond is the PV of all its future coupon payments and face value), in real estate (the PV of future rental income determines intrinsic property value), in business valuation (DCF analysis sums the PV of all projected future cash flows), and in personal finance (the PV of a lottery lump-sum vs annuity).
The discount rate selection is critical and often controversial. A higher discount rate reduces PV more aggressively, making future cash flows worth less today. Analysts use WACC (Weighted Average Cost of Capital) for corporate valuations, the risk-free rate for government cash flows, and personal required return for individual investment decisions.
A Calculadora de Valor Presente traz a fluxos de caixa um desconto no tempo.
Fórmula
PV = FV / (1 + r)^n