Free online TVM (Time Value of Money) calculator. Calculate Present Value, Future Value, interest rate, number of periods, and annuity payments. Pure frontend computation. | No signup · Data never leaves your device
Zero dependencies · Works offlineTime Value of Money core formula:
FV = PV × (1 + r)^n + PMT × [(1 + r)^n - 1] / r
Where: PV = Present Value, FV = Future Value, r = rate per period, n = number of periods, PMT = payment per period
Future Value FV: Given PV, rate, periods, and payment — compute the future value.
Present Value PV: Given FV, rate, periods, and payment — find how much to invest today.
Interest Rate r: Given PV, FV, periods, and payment — solve for annualized return (Newton's method).
Number of Periods n: Given PV, FV, rate, and payment — find how long to reach the goal.
Annuity Payment PMT: Given PV, FV, rate, and periods — find required periodic payment.
The TVM Calculator is useful for retirement planning, education funds, loan repayment, investment return analysis, and any scenario involving the time value of money.
Yes, the default input is annual rate. For non-annual periods, adjust accordingly (e.g., monthly rate = annual rate ÷ 12, periods = years × 12).
Use PMT when you have regular deposits or withdrawals. Positive = deposits (e.g., monthly investments), negative = withdrawals (e.g., pension payments). Default 0 means no periodic cash flow.
Absolutely. The TVM Calculator uses pure frontend technology — all calculations happen in your browser. No data is ever uploaded to any server.