Solve for any financial variable: present value, future value, payment, rate, or number of periods. The Swiss Army knife of financial calculations.
TVM Calculator
Time Value of Money — solve for any unknown
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FAQ
What is Time Value of Money (TVM)?
TVM is the concept that a dollar today is worth more than a dollar in the future because of its potential to earn interest. TVM is the foundation of all financial calculations — loans, investments, savings, and more.
What is Present Value (PV)?
Present Value is the current worth of a future sum of money or stream of cash flows at a given interest rate. If you'll receive $10,000 in 5 years at 7% discount rate, its PV today is $7,130.
What is Future Value (FV)?
Future Value is the value of a current asset at a future date based on assumed growth rate. $10,000 invested at 7% for 10 years grows to $19,672.
What does PMT represent?
PMT is the periodic payment amount in an annuity — such as a monthly mortgage payment, annual savings contribution, or pension payment. It can be inflow (+) or outflow (−).