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TVM

Time Value of Money Calculator

Details

How to use Time Value of Money Calculator

What the tool does, how to run it, and what to expect from the result.

About this time value of money calculator

Five numbers describe any loan or investment: periods (N), interest rate (I/Y), present value (PV), payment (PMT) and future value (FV). Know four and the fifth follows. Money you pay out is negative: investing 10,000 now (PV −10,000) plus 200 a month (PMT −200) for 10 years at 6% compounded monthly grows to FV 50,969.84. A 200,000 mortgage (PV +200,000) over 360 months at 6.5% needs PMT −1,264.14; enter that payment and solve for the rate to get 6.5% back.

At a glance

Who Time Value of Money Calculator is for

A quick way to understand who this helps, what it solves, and where it connects next.

Best fit

Finance students, employees, managers and anyone checking the numbers themselves.

Ideal for

Using the time value of money calculator without installing anything or signing up.

FAQ

Common questions

Short answers for the questions people usually have before trying a utility like this.

Why do I get a negative answer?

The signs show the direction of cash. If you put money in (PV and PMT negative), the future value you get back is positive, and vice versa. Solving for a payment on a loan you receive gives a negative payment.

What does payments at start of period change?

An annuity due (payments at the start) earns one extra period of interest on each payment, so its future value is (1 + i) times higher. Rent and leases are usually annuities due.

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