Savings & Investing

Financial Calculator

Solve time-value-of-money problems for number of periods, interest rate, present value, periodic payment, or future value. Configure compounding and payment timing to model loans, savings plans, annuities, and other regular cash-flow scenarios.

Find

Options

Periodic Payment at the

Number of Periods (P)

per year

Number of Compounds (C)

per year

There was an error with your calculation.

Result
FV	$-91,370.62
PMT	$-2,159.32
I/Y	12.61%
N	11.5
PV	$16,144.72
Sum of all periodic payments	$-22,500.00
Total Interest	$93,870.62

PMT

Interest

#	PV	PMT	INTEREST	FV
1	$235,022.69	$235,022.69	$235,022.69	$235,022.69
2	$235,022.69	$235,022.69	$235,022.69	$235,022.69
3	$235,022.69	$235,022.69	$235,022.69	$235,022.69
4	$235,022.69	$235,022.69	$235,022.69	$235,022.69
5	$235,022.69	$235,022.69	$235,022.69	$235,022.69
6	$235,022.69	$235,022.69	$235,022.69	$235,022.69
Year 1 End
1	$235,022.69	$235,022.69	$235,022.69	$235,022.69
2	$235,022.69	$235,022.69	$235,022.69	$235,022.69
3	$235,022.69	$235,022.69	$235,022.69	$235,022.69
4	$235,022.69	$235,022.69	$235,022.69	$235,022.69
5	$235,022.69	$235,022.69	$235,022.69	$235,022.69
6	$235,022.69	$235,022.69	$235,022.69	$235,022.69

Input parameters

Find: Selects the time-value-of-money variable to solve.
Number of Periods (N): Total number of cash-flow periods.
Interest (I): Interest rate per configured year or period.
Present Value (PV): Value at the beginning of the timeline.
Periodic Payment (PMT): Equal cash flow each period.
Future Value (FV): Value at the end of the timeline.
Periodic Payment at the: Beginning or end payment timing.
Number of Compounds (C): Compounding periods per year.

Understanding the results

Solved TVM value: Calculated N, I, PV, PMT, or FV.
Cash-flow schedule: Period-by-period contributions, interest, and balance.
Total interest: Growth or finance charge across the schedule.

Calculation principle

The calculator applies time-value-of-money relationships and numerically solves when the selected unknown has no simple closed form.

Read and validate the entered values.
Convert percentages and time periods into compatible units.
Apply the formulas below and present the calculated results.

Formulas

TVM identity FV = PV(1 + r)^N + PMT × ((1 + r)^N − 1) / r

Beginning payment adjustment PMT term is multiplied by (1 + r)

Symbols refer to the corresponding input and result labels shown above.

How to use this calculator

Enter your figures, choose any available options, and select Calculate. You can change the inputs as often as you like to compare scenarios.

Planning note

Results are estimates for education and planning. Taxes, lender rules, fees, and investment returns can vary, so verify important decisions with a qualified professional.