PV Google Sheet Formula

Generate Google Sheet PV Formulas in seconds

Try Formula Generator View Examples

Interactive Formula Generator

Formula Generator

Create complex Google Sheets formulas with natural language. Simply describe what you want to calculate.

Upgrade to Sheet Alchemy Pro

Get advanced formulas, batch processing, and priority support

Upgrade Now

Input

Result

Your formula will be displayed here:

Your formula will appear here

Describe what you want to calculate and click Generate

Pro Features Available

Sheet Alchemy Pro includes additional advanced features to enhance your formula generation.

Advanced Formulas

Complex array formulas and dynamic ranges

Batch Processing

Generate multiple formulas at once

Unlimited History

Save and organize all your formulas

PV Formula Syntax

=PV(0.05/12, 360, -1000)

Example Use Case

Calculating the present value of an investment based on future payments

Understanding the PV Formula

The PV function in Excel calculates the present value of an investment based on future payments and a constant interest rate. It's a financial planning tool for valuation—like determining how much to invest now to reach future goals or how much loan you can afford given a payment amount.

PV(0.05/12, 360, -1000) calculates how much you can borrow if you can afford $1,000 monthly payments over 30 years at 5% annual interest. It takes rate, nper, pmt, and optional fv and type arguments, computing the present value—essential for investment planning or loan affordability analysis.

Why Use PV?

PV determines current values—think loan qualification or investment planning. Its time-adjusted calculation converts future payments into a lump sum today, making it valuable for financial planning, loan analysis, or determining the fair price of fixed-income investments.

Example with Sample Data

Parameters	Formula	Result
Rate: 5%/12 (monthly) Term: 360 months Payment: -$1,000/month Future Value: $0 Type: 0 (end of period)	=PV(0.05/12, 360, -1000)	$186,281.62
Rate: 6%/1 (annual) Term: 10 years Payment: $0 Future Value: -$10,000 Type: 0 (end of period)	=PV(0.06, 10, 0, -10000)	$5,583.95
Rate: 8%/4 (quarterly) Term: 40 quarters Payment: -$500/quarter Future Value: $0 Type: 0 (end of period)	=PV(0.08/4, 40, -500)	$15,372.71

PV determines current values: $186,281.62 loan affordability with $1,000 monthly payments, $5,583.95 investment needed now to have $10,000 in 10 years at 6%. It's a present value calculator.