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Time Value of Money (TVM) Calculator

A generic financial calculator to solve complex Time Value of Money equations.
Calculator
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Analysis
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How to Use

Step-by-step instructions
  1. 1Choose what you want to solve for (Future Value, Present Value, or Payment).
  2. 2Fill in all the other variables.
  3. 3Ensure your rate and periods match (e.g., if using Annual years, use Annual interest).

Time Value of Money Core Equation

This is the master formula of finance. It governs loans, mortgages, savings accounts, annuities, and investments. By isolating the variable you want to solve for (like PV, FV, or PMT), you can reverse-engineer any financial product.
FV = PV(1+r)^n + PMT[((1+r)^n - 1) / r]

Variables:

FVFuture Value
PVPresent Value (Current Balance)
PMTPeriodic Payment Amount
rInterest Rate per Period
nTotal Number of Periods

Example

Solving for Future Value

Inputs:

Target:FV
PV:$10,000
Rate:5%
Periods:10

Steps:

  1. 1.Set PMT to 0.
  2. 2.FV = $10,000 * (1 + 0.05)^10
  3. 3.FV = $10,000 * 1.62889...
  4. 4.FV = $16,288.95
Result:
$16,288.95 Future Value

Frequently Asked Questions

What is Time Value of Money?

The principle that a dollar today is worth more than a dollar tomorrow due to its potential earning capacity. This core principle dictates why loans charge interest and savings accounts yield interest.