PV, one of the financial functions, calculates the present value of a loan or an investment, based on a constant interest rate. You can use PV with either periodic, constant payments (such as a mortgage or other loan), or a future value that’s your investment goal.

Excel Formula Coach

Use the Excel Formula Coach to find the present value (loan amount) you can afford, based on a set monthly payment. At the same time, you’ll learn how to use the PV function in a formula.

Or, use the Excel Formula Coach to find the present value of your financial investment goal.


PV(rate, nper, pmt, [fv], [type])

The PV function syntax has the following arguments:

Set type equal toIf payments are due
0 or omittedAt the end of the period
1At the beginning of the period



(pmt * nper) + pv + fv = 0


Copy the example data in the following table, and paste it in cell A1 of a new Excel worksheet. For formulas to show results, select them, press F2, and then press Enter. If you need to, you can adjust the column widths to see all the data.

$500.000Money paid out of an insurance annuity at the end of every month.
8%Interest rate earned on the money paid out.
20Years the money will be paid out.
=PV(A3/12, 12*A4, A2, , 0)Present value of an annuity with the terms in A2:A4.($59,777.15)

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