Present Value of $500,000 in 20 Years at 7%

The present value of $500,000 needed in 20 years at a 7% annual return is approximately $129,200.

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How to use this tool

Enter future value target, annual return rate and years until needed in the fields above.
Results update instantly as you type — or click Calculate.
Read your present value needed and the full breakdown beneath it.

Calculate how much you need to invest as a lump sum today to reach $500,000 in 20 years at 7% annual growth.

Frequently asked questions

What is present value?: Present value (PV) is the current worth of a future sum of money, given a specific rate of return. Because money can earn interest, $100 today is worth more than $100 in the future.
What discount rate should I use?: Use your expected investment return rate (e.g., 7% for a stock portfolio) or the opportunity cost of your capital. For risk-free comparisons, use the current Treasury rate.