## How to Calculate Present Value in Excel with Different Payments: 5 Easy 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.

To calculate the Present Value of the payment for a single payment, use **the PV function**..

**Steps:**

- Select
**C8**Â to keep the present value. - To calculate the present value enter the formula:

`=PV(C5, C6, C7)`

- 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**Â to keep the present value. - To calculate the future value, enter the formula:

`=PV(C5/C8, C6*C8, C7)`

- Press
**Enter**to see the Present Value.

### Example 3 – Present Value Calculation with Regular Cash FlowÂ

In theÂ 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:

`=1/(1+$C$4)^B8`

- 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:

`=C8*D8`

- 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**:

`=SUM(E8:E11)`

- Press
**Enter**to see the total present value.

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

### Example 4 –Â 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**:

`=PV($C$4, B8,,-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**:

`=SUM(D8:D11)`

- 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

Assign cells for all arguments.

Define the arguments:

**rate (periodic interest rate): C5/C10** (annual interest rate / periods per year)

**nper (total number of payment periods): C6*C10** (number of years * periods per year)

**pmt (periodic payment amount):** **C7**

**pv (initial investment):** **C8**

**type (when payments are due):** **C9**

**compounding periods per year:** **C10**

**Steps:**

- Select
**C11**and enter the formula:

`=PV(C5/C10, C6*C10, C7, C8, C10)`

- 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 ValueÂ with Different Payments in Excel

To calculate the future value of a single payment.

**Steps:**

- Select
**C8**Â to keep the future value. - Enter the formula:

`=FV(C5, C6, C7)`

- Press
**Enter**Â to see the Future Value of the single payment.

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

**Download Practice Workbook**

Download the Excel workbook here.

## Related Articles

- How to Apply Future Value of an Annuity Formula in Excel
- How to Calculate Future Value with Inflation in Excel
- How to Make a Time Value of Money Calculator 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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