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Finance Calculator

Solve for any of PV, FV, payment, rate or number of periods.

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Signs matter.

Money leaving your pocket is negative, money coming in is positive. A loan is positive PV and negative PMT; a savings plan is negative PV and negative PMT with a positive FV. Getting the signs consistent is what lets one equation describe both.

PeriodOpeningInterestPaymentClosing

Answer

—

Present value—
Future value—
Payment—
Annual rate—
Total periods—
Rate per period—
Total paid in—
Total interest—

Quick Tool Overview

The Finance Calculator is a time value of money solver: give it any four of present value, future value, payment, interest rate and number of periods, and it finds the fifth. That one capability is what every specialised loan and savings calculator is built on.

What it does
Solves for any one of the five time value of money variables
You give it
Any four of PV, FV, PMT, rate and periods
You get back
The fifth variable plus the schedule behind it
Best for
Any financial question that four known numbers can describe
Calculators Free, unlimited use No sign-up Runs in your browser

About the Finance Calculator

This is the general-purpose time value of money solver that specialised calculators are built on. Five variables describe almost any financial arrangement: present value, future value, periodic payment, interest rate and number of periods. Give it any four and it finds the fifth.

That single capability covers an enormous amount of ground. Solve for payment and you have a loan calculator. Solve for future value and you have a savings projection. Solve for rate and you have found the return an investment delivered, or the true interest rate hidden in a financing offer. Solve for periods and you know how long a goal takes. The sign convention matters: money you pay out is negative and money you receive is positive, which is what lets one equation describe both borrowing and saving.

Key features of the Finance Calculator

Five variables, any unknown

One solver replaces a loan calculator, a savings projection, a rate finder and a term calculator.

Rate solved by iteration

The equation cannot be rearranged for rate when payments exist, so it is converged on numerically.

Begin and end mode

Payments at the start or end of each period, which is worth exactly one period of interest.

Sign convention handled

Money out is negative and money in is positive, which is what lets one equation cover borrowing and saving alike.

Any compounding frequency

Periods per year is an input, so annual, monthly, quarterly and daily all work.

How to use the Finance Calculator

  1. 1

    Choose what to solve for

    Pick the unknown: present value, future value, payment, rate or number of periods.

  2. 2

    Fill in the other four

    Leave the unknown blank. Use negative numbers for money leaving your pocket.

  3. 3

    Set the compounding

    Periods per year and whether payments fall at the start or end of each period.

  4. 4

    Read the answer

    The solved variable appears with the full schedule behind it.

Frequently asked questions

The principle that money available now is worth more than the same amount later, because it can be invested. Every calculation here is an application of it, moving amounts forwards or backwards in time at a given rate.

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