DEC Present Value Calculator
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1991
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Please use this simple spreadsheet to generate your free Present Value Factor.
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More detailed estimates of an individual's earning capacity (or earning capacity loss), or the present value of future care costs can be developed upon request. Discovery Economic Consulting can be contacted by phone at 250-384-5451 or by e-mail at mail@dec.bc.ca
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Simply double-click the information highlighted in yellow to adjust the information needed to calculate the present value factor below.
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Date of Birth:1990-04-15
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Date of Valuation:
Apr 1, 2018
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1.5
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Discount Rate (%):
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Gender (1=Male, 2=Female):
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To Age:67100000
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2903452.862
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Your Present Value Factor is:
29.035
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The "present value" of a future stream is the lump sum amount that must be paid at the valuation date to replace that future stream of payments. The factor above can be used to estimate the present value of an annual amount that begins at April 1, 2018 and continues until the age noted. For example a loss of $10,000 per year that continues from April 1, 2018 to April 14, 2057 (the day before the individual turns 67) has a present value of $290,350, or $10,000 multiplied by 29.035.
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The factor allows for average mortality based on data for British Columbia provided by Statistics Canada in "Life Tables, Canada, Provinces and Territories, 2009 - 2011" (Catalogue 84-537-X). The probabilities do not reflect the individual's health or circumstances.
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It should be noted that we have NOT made allowances for the possible contingencies of unemployment, non-participation in the labour force, and part-time employment. Nor have we allowed for the value of employee benefits.
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