Skip to content

Finance · free · no sign-up

Finance Calculator

A general time-value-of-money calculator: find the future value or present value of an amount with regular payments.

How it works Report a problem

Finance Calculator

Complete Time Value of Money (TVM) suite for professional financial planning

Enter any 3 values to calculate the 4th (FV or PV logic supported)

$0
Future Value (FV)
Total Principal
$0
Total Interest
$0
CAGR
0%

Most money questions reduce to five numbers: a starting amount, a rate, a time period, a regular payment and an end amount. Know any four and the fifth can be found. This finance calculator does that solving for loans, savings and investments in one place.

How to use this calculator

  • Enter the values you know: amount, rate, term and payment.
  • Leave the value you want to find blank or selected as the target.
  • Press calculate to solve for the missing number.

One tool, several jobs

The same maths prices a loan (solve for the payment), plans a savings goal (solve for the monthly amount), and tests an investment (solve for the final value). Switching the unknown is what turns one calculator into a general finance toolkit, so try solving the same problem from two directions to check your plan makes sense.

Frequently asked questions

What is a TVM calculator?
TVM means time value of money. A TVM solver works with present value, future value, rate, term and payment, finding whichever one you leave unknown. This calculator does the same job.
Why does my loan payment differ from a dealer's quote?
Usually fees, insurance or a slightly different rate basis. Compare using the same amount, rate and term, and ask the dealer which extras are included in their figure.
Should the rate be monthly or yearly?
Enter the yearly rate unless the tool states otherwise; it converts to the period rate for you.