Comparaciones
Valor Presente vs. Valor Futuro
Compare Valor Presente and Valor Futuro side by side. When to use each, key differences, and a clear verdict.
Cuándo usar Valor Presente
Use Present Value (PV) when you need to know what a future sum of money is worth today. Critical for: settlement offers, lottery payouts, retirement planning.
Cuándo usar Valor Futuro
Use Future Value (FV) when you want to project what a current amount will grow to. Critical for: savings goals, investment projections, retirement nest egg.
Side-by-side comparison
| Característica | Valor Presente | Valor Futuro |
|---|---|---|
| Direction | Future → Present (discount) | Present → Future (compound) |
| Used by | Lawyers, lottery winners, retirees | Savers, investors, planners |
| Discount rate? | Yes (rate to discount by) | Yes (rate to grow by) |
| Real-world question | Should I take $1M now or $50k/year for life? | If I save $500/month, will I hit $1M at 65? |
| Formula | PV = FV / (1 + r)ⁿ | FV = PV × (1 + r)ⁿ |
El veredicto
PV and FV are the same formula, run in opposite directions. Use FV to project savings. Use PV to evaluate lump-sum offers. The discount rate / growth rate is the same in both.
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Read comparison →Last updated: June 15, 2026 • Reviewed by: CalcxApp editorial team