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Finance Calculator
A time-value-of-money solver. Enter any four values and choose what to solve for — present value, future value, payment, number of periods, or interest rate.
Your numbers
$
$
%
#
$
Future value
$0
Time value of money result
How the finance calculator works
Every financing or investing problem is built from five variables: present value, future value, payment, the periodic interest rate, and the number of periods. Fix any four and this solves for the fifth.
FV = PV(1+i)ⁿ + PMT · ((1+i)ⁿ − 1) / i
Frequently asked questions
What does "rate per period" mean?+
It is the interest rate for one period. For monthly periods, divide an annual rate by 12 — for example, 12% per year is 1% per period.
Why use this instead of a specific calculator?+
It is the general engine behind loans, savings, and annuities. Use it when your problem does not fit a named calculator.