Why is the present value of money to be paid in the future less than the amount

Question:

Why is the present value of money to be paid in the future less than the amount to be paid, but the future value of money invested now and withdrawn later is greater than the original investment?

Future Value
Future value (FV) is the value of a current asset at a future date based on an assumed rate of growth. The future value (FV) is important to investors and financial planners as they use it to estimate how much an investment made today will be worth...