Thread: Present Value

import java.util.Scanner;
import java.text.DecimalFormat;
 
public class PresentValue
{
   public static void main(String[] args)
   {
      Scanner keyboard = new Scanner(System.in);
      DecimalFormat num = new DecimalFormat("#,###.00");
      double present = 0.0, annualRate = 0.0, future = 0.0, numberOfYears = 0.0;
 
      System.out.print("Enter the future value: ");
      future = keyboard.nextDouble();
 
      System.out.print("Enter annual interest rate (in decimal point, not percent): ");
      annualRate = keyboard.nextDouble();
 
      System.out.print("Enter the number of years: ");
      numberOfYears = keyboard.nextDouble();
 
      present = presentValue(future, present, annualRate, numberOfYears);
      System.out.print("Present value must be: $" + num.format(present));
   }
   public static double presentValue(double f, double p, double r, double n)
   {      
      p = f/Math.pow(1 + r, n);
      return p;
   }
}

If the user were to enter 2.5 for the annual interest rate, how can I make sure it changes it to .025 instead of having to ask the user to enter in decimals and not percent?