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Financial calculator (TVM)

Solve the time value of money like a BA II Plus: pick payment, future value, present value, interest rate or number of periods, fill in the rest and get the answer. Free and online, and it runs in your browser.

How to use the TVM calculator

  1. 1Choose what to solve for under "Solve for"
  2. 2Fill in the other values: N, I/Y, P/Y, PV, PMT, FV
  3. 3Read the result and check the signs
  4. The one value you left open, solved.

What you get

  • Nothing is uploaded.The sum runs in your browser. Your numbers are never sent anywhere.
  • Five unknowns, one tool.Solve for N, I/Y, PV, PMT or FV from the same set of fields.
  • Same logic as a BA II Plus.Periods per year, BGN mode and cash flow signs work as on the handheld.

What you can do

  • Solve for "Payment", "Future value", "Present value", "Interest rate" or "Number of periods".
  • Set periods per year (P/Y), for example 12 for monthly or 4 for quarterly.
  • Tick "Payments at the start of each period (BGN)" for an annuity due.
  • See an interest rate as a yearly figure, and a number of periods also as years.
  • Use it for loans, savings plans, leases and annuities.

Good to know

  • Signs matter. Use + for money you receive and − for money you pay. Wrong signs give "No answer".
  • The rate is the nominal yearly rate (I/Y). The tool divides it by P/Y for each period.
  • The field you solve for is hidden, because it is the output.
  • It is an estimate from your own numbers, not financial, tax or investment advice.

Questions

What does TVM mean?

Time value of money: a sum today is worth more than the same sum later. The calculator links N, I/Y, PV, PMT and FV in one equation and solves for the one you leave out.

Why do I get "No answer"?

Usually the signs. If you borrow, PV is positive and PMT is negative. If everything has the same sign, no solution exists.

What is the difference between END and BGN?

With BGN, payments fall at the start of each period, which earns or costs one period more interest. Leave it off for payments at the end.

Is my data sent to a server?

No. The calculation happens in your browser.

Related tools

How it works

Small tools that run in your browser.

Four steps

  1. Start with a file or a task

    Drop a file, search, or pick a task.

  2. The tool opens in a window

    Open as many as you like, side by side as tabs.

  3. Results collect on the right

    Drag a result into the next tool.

  4. Save when you're done

    Saved files go to your downloads.

Who uses what

Tool sets for common jobs.

Put a tool on your home screen

The icon opens that tool, like an app.

iPhone and iPad

  1. Open the tool in Safari.
  2. Tap Share (the square with the arrow).
  3. Choose “Add to Home Screen”, then Add.

Android

  1. Open the tool in Chrome.
  2. Tap the menu (⋮) at the top right.
  3. Choose “Add to Home screen” or “Install app”.

Computer

  1. Open the tool in Chrome or Edge.
  2. Click the install icon in the address bar.
  3. Choose Install.

Skills

Claude skills we use ourselves, one job each.