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Professional finance calculator for time value of money calculations. Calculate FV, PV, PMT, I/Y, and N with amortization schedules and investment analysis.
Professional Time Value of Money Calculator
This calculator uses the same formulas as professional financial calculators (BA II Plus, HP 12CP). Calculate any of the 5 key TVM variables: FV, PV, PMT, I/Y, or N.
Time Value of Money: Calculate present value, future value, payments, interest rates, and periods.
Amortization Schedule: Complete payment breakdown showing principal and interest.
Investment Analysis: Compare different investment scenarios and returns.
Loan Calculations: Analyze loan payments, interest, and payoff strategies.
Enter known values for FV, PV, PMT, I/Y, and N.
Leave the field you want to calculate blank.
Select 'End' or 'Beginning' for payment timing (End is standard for loans).
Click 'Calculate' to solve for the missing variable.
Review the detailed results and amortization schedule.
Students: Perfect for finance and accounting coursework (CFA, CPA prep).
Professionals: Quick and accurate calculations for client meetings.
Retirement Planning: Project future savings based on current contributions.
Loan Analysis: Calculate payments, interest rates, or loan terms.
Investment Strategy: Compare ROI on different investment opportunities.
Lease vs. Buy: Analyze the financial impact of leasing versus buying assets.
The Time Value of Money is a fundamental financial concept stating that money available today is worth more than the same amount in the future due to its potential earning capacity. This core principle underlies all interest and investment calculations.
Our calculator uses the same standard formulas and numerical methods (Newton-Raphson) as professional financial calculators like the Texas Instruments BA II Plus and HP 12CP. This ensures you get precise results suitable for academic and professional use.
Pay attention to the sign convention! In TVM calculations, money leaving your pocket (like a deposit or loan payment) is typically entered as a negative number, while money coming to you (like a loan amount received) is positive. Getting the signs right is crucial for accurate results.