How to Calculate the Present Value with Different Payments in Excel – 5 Examples

Example 1 – Calculate the Present Value for a Single Payment

The sample dataset (B4:C8) showcases the annual interest rate, No. of years and the future value of a single payment.

Steps:

• Select C8 to keep the present value.
• To calculate the present value enter the formula:

• Press Enter to see the Present Value of the single payment.

Read More: How to Calculate Present Value of Future Cash Flows in Excel

Example 2 – Count the Present Value for a Periodic Payment

In the sample dataset (B4:C9) you can see the investment is $200 per month for 5 years at a 5% annual interest rate.

Steps:

• Select C9 to keep the present value.
• To calculate the future value, enter the formula:

• Press Enter to see the Present Value.

Example 3 – Present Value Calculation with Regular Cash Flow 

In the  dataset (B4:E12) you can can see 4 periods, a required return, and regular cash flows of $200.

Steps:

• Select D8 and enter the following formula:

• Press Enter to see the Present Value (PV) factor for period 1.

• Select D8 and drag the Fill Handle to D11 to see the PV factors for all the periods.

• To calculate the present value for an individual period, select E8 and enter the following formula:

• Press Enter to see the present value for period 1.

• Select E8 and drag the fill handle to E11 to see the present values for all the periods.

• To get the total present value, use the SUM function. Enter the formula in E12:

• Press Enter to see the total present value.

Read More: How to Calculate Present Value of Lump Sum in Excel

Example 4 –  Present Value Calculation with Irregular Cash Flow

The dataset (B4:D12) showcases 4 periods, a required return, and irregular cash flows.

Steps:

• Select D8.
• Enter the formula in C8:

• Press Enter to see the present value of the corresponding cash flow.

• To get all the present values of the cash flows, drag the Fill Handle to the final cash flow.
• All present values of the individual cash flows will be displayed.

• To get the total present value, use the SUM function. Enter the formula in D12:

• Press Enter to see the total present value.

Read More: How to Apply Present Value of Annuity Formula in Excel

Example 5 – Creating a Present Value Calculator

• Define the arguments:

Steps:

• Select C11 and enter the formula:

• Press Enter to see the present value.

Read More: How to Calculate Present Value of Uneven Cash Flows in Excel

How to Calculate the Future Value  with Different Payments in Excel

Steps:

• Select C8  to keep the future value.
• Enter the formula:

• Press Enter to see the Future Value of the single payment.

Read More: How to Calculate Future Value in Excel with Different Payments

Download Practice Workbook

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Related Articles

• How to Apply Future Value of an Annuity Formula in Excel
• How to Calculate Future Value with Inflation in Excel
• Calculate NPV for Monthly Cash Flows with Formula in Excel
• How to Calculate Future Value of Uneven Cash Flows in Excel
• How to Calculate Future Value of Growing Annuity in Excel

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