Finance Calculator (TVM)
Solve any time-value-of-money variable.
Time-value-of-money solver. Rate is per period (e.g. monthly). Contributions grow forward.
About the Finance Calculator (TVM)
This finance calculator solves time-value-of-money problems. Choose what to solve for — future value, present value, or payment — then enter the number of periods, the rate per period, and the remaining known values. It's the all-purpose engine behind loans, savings, annuities, and investment math, like a financial calculator's TVM keys in your browser.
How to use the Finance Calculator (TVM)
- 1Enter your what to solve for, periods, rate, and the known values.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
What is the time value of money?
The idea that money now is worth more than the same amount later because it can earn a return. TVM math links present value, future value, payments, rate, and time.
What can this solve for?
Future value, present value, or the periodic payment, given the other inputs — the core of loan, savings, and annuity calculations.