Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Effective Annual Rate (EAR) Calculator

Convert a stated nominal interest rate into the true annual rate once compounding is included. Use it to compare loans or savings accounts that compound at different frequencies.

Nominal Annual Rate (%)

Compounding Periods per Year (periods)

Economics

Present Value Calculator

Discount a future cash amount back to today's value using PV = FV / (1 + r)ᵗ. The foundation of every cash-flow valuation in finance — bonds, equities, projects, real estate, insurance, and any decision that trades current money against future money.

Future Value ($)

Discount Rate (%)

Number of Periods (years)

Key differences

	Effective Annual Rate (EAR) Calculator	Present Value Calculator
Category	Financial	Economics
Inputs required	2	3
Result	Effective Annual Rate (%)	Present Value ($)
What it does	Convert a stated nominal interest rate into the true annual rate once compounding is included. Use it to compare loans or savings accounts that compound at different frequencies.	Discount a future cash amount back to today's value using PV = FV / (1 + r)ᵗ. The foundation of every cash-flow valuation in finance — bonds, equities, projects, real estate, insurance, and any decision that trades current money against future money.