📱 Present Value Calculator – Financial Planning Tool
Easily calculate the present value (PV) of a future lump sum or regular periodic deposits. This app uses standard time value of money formulas to help you evaluate the current worth of future cash flows based on interest rates and time.

🔍 Key Features:
Calculate present value of a future amount (FV)

Calculate present value of periodic deposits (PMT)

Choose deposit timing: Beginning or End of each period

Supports any number of periods and interest rate

Accurate, fast, and simple to use

Useful for financial planning, retirement, loans, and investments

📈 Use Cases:
Determine how much you need to invest today to reach a future goal

Evaluate investment opportunities and savings plans

Learn the concept of time value of money

This calculator is ideal for students, investors, and professionals who want a reliable financial tool in their pocket.

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