Updated Core Finance Tool

Time Value of Money Calculator

Calculate present value, future value, periodic payments and number of periods for lump sums and annuities in one time value of money calculator.

Present Value (PV) Future Value (FV) Periodic Payment Number of Periods

Advanced Time Value of Money (TVM) Calculator

Switch between Future Value, Present Value, Payment and Periods to solve classic time value of money problems with lump sums and annuities.

Enter 0 for payment if you only want the future value of a single lump sum.

Enter 0 for payment if you only want the present value of a single future amount.

Use this mode for savings targets or loan-style payment calculations with regular contributions.

This mode assumes no recurring payments. For annuities, use the payment or future value modes.

What Time Value of Money Calculator Calculates

Use Time Value of Money Calculator to calculate present value, future value, periodic payments and number of periods for lump sums and annuities in one time value of money calculator.

For more tools in this field, browse Finance Calculators.

Time Value of Money Calculator Inputs

Time Value of Money Calculator uses Currency Symbol, Present Value (PV), Annual Interest Rate (%), Years, Payments per Year.

Time Value of Money Calculator Formula or Method

  • FV = PV × (1 + i) n
  • PV = FV ÷ (1 + i) n
  • n = ln(FV ÷ PV) ÷ ln(1 + i)

Reading Time Value of Money Calculator Results

The results include Total Future Value, Future Value of Lump Sum, Future Value of Payments, Total Number of Periods, Total Present Value, Present Value of Lump Sum.

Alongside Time Value of Money Calculator, use Annuity Calculator to calculate the future value, present value, or required payment for an annuity with flexible payment frequency and annuity type.

For a different result from Time Value of Money Calculator, Amortization Calculator can create loan amortization schedules, model extra payments, compare biweekly vs monthly plans and calculate early payoff strategies in one calculator.

Calculators Related to Time Value of Money Calculator

After checking Time Value of Money Calculator, use Payment Calculator to estimate monthly payments, total interest, and savings from extra payments for loans, mortgages, and car financing. When you need to find out how much down payment you need, your loan amount, LTV ratio, estimated monthly payment, and how long it may take to save, use Down Payment Calculator. Loan Payment, Extra Payment & Payoff Calculator covers a separate task: calculate payments by frequency, model extra payments and lump sums, compare two loans, and build a full amortization table with payoff timing.

After checking Time Value of Money Calculator, use Car Payment Calculator to estimate car loan payments, lease payments, and how much car you can afford based on your income and budget. When you need to view your mortgage payment, yearly amortization schedule, extra payment savings, refinance break-even, loan comparison, interest-only options, use Mortgage Amortization Calculator. Repayment Calculator covers a separate task: calculate loan repayments, total interest, early payoff with extra payments, and compare two loans side by side.

After checking Time Value of Money Calculator, use All-in-One Finance Calculator to quickly calculate loan payments, compound interest, investment returns, savings goals, mortgage payments and EMI – all in one smart finance tool.

Frequently Asked Questions About Time Value of Money Calculator

It is used to calculate present value, future value, periodic payments and number of periods for lump sums and annuities in one time value of money calculator.

It uses Currency Symbol, Present Value (PV), Annual Interest Rate (%), Years, Payments per Year.

Time Value of Money Calculator uses FV = PV × (1 + i) n.

It returns Total Future Value, Future Value of Lump Sum, Future Value of Payments, Total Number of Periods, Total Present Value, Present Value of Lump Sum.

Check Currency Symbol, Present Value (PV), Annual Interest Rate (%) first. Differences can also come from rounding, unit choices, or a different formula or rule set.