Finance Calculator
Time value of money calculator
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Future Value
Present Value
Payment
Total Interest
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Time Value of Money (TVM)
The principle that money available today is worth more than the same amount in the future due to its potential earning capacity.
Present Value (PV)
The current value of a future sum of money or stream of cash flows given a specified rate of return.
Future Value (FV)
The value of a current asset at a specified date in the future based on an assumed rate of growth.
Annuity (PMT)
A series of equal payments made at regular intervals over a specified period of time.
FAQ
The time value of money is the concept that money available today is worth more than the same amount in the future because money today can be invested to earn interest.
Future Value is calculated using the formula: FV = PV × (1 + r)^n, where PV is present value, r is interest rate, and n is number of periods.
Ordinary annuity payments occur at the end of each period, while annuity due payments occur at the beginning of each period.
Enter the loan amount as PV (negative), interest rate, and number of payments to calculate the monthly payment amount (PMT).
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