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Time Value of Money (TVM)

Solve for any one of the five TVM variables: Present Value, Future Value, Payment, Number of Periods, or Interest Rate.

The current lump-sum amount. Leave 0 when solving for PV.
The desired future amount. Leave 0 when solving for FV.
Regular contribution each period. Leave 0 when solving for PMT.
Annual nominal rate. Leave 0 when solving for Rate.
Leave 0 when solving for N.

Results

Solved Value-20,096.6,138

📖What is it?

The Time Value of Money calculator lets you solve for any one of the five core financial variables — Present Value, Future Value, Payment, Number of Periods, or Interest Rate — given the other four. It is the foundation of all discounted-cash-flow analysis.

🎯How to use

1. Select which variable you want to solve for from the dropdown. 2. Fill in the remaining four variables (set the one you're solving for to 0). 3. Choose your compounding frequency. 4. The result appears instantly.

💡Example scenario

You want to know how much $10,000 invested today at 7% annual interest compounded monthly will be worth in 10 years. Select "Future Value", enter PV = 10000, Rate = 7%, Periods = Monthly, Years = 10. The answer is approximately $20,096.61.

🏆Pro tip

Cash outflows are negative, inflows are positive. When solving for Rate, the answer is displayed as an annual percentage. For loan calculations, enter the loan amount as PV and set FV to 0.