N — Number of Periods (months)

I/Y — Interest Rate (annual %)

PV — Present Value ($)

PMT — Payment per Period ($)

FV — Future Value ($)

Sign convention: money you pay out is negative, money you receive is positive. Leave exactly one field blank — that's the one solved.

Result

Free Financial Calculator

A time-value-of-money (TVM) solver. Fill in any four fields and leave the one you want solved blank.

This is the general-purpose version of every other calculator on this site — a mortgage, a savings goal, an annuity payout, and a bond price are all the same underlying TVM equation with different variables known and unknown. Use the sign convention: money you pay out is negative, money you receive is positive.

Frequently Asked Questions

What is this for?

It replicates the 5-key TVM function on a physical financial calculator (like the BA II Plus / HP-12C): N, I/Y, PV, PMT, FV. Useful for loans, savings goals, and bond/annuity problems.

What is this?

Replicates the 5-key time-value-of-money function on a physical financial calculator: N, I/Y, PV, PMT, FV. Fill in four, solve for the fifth. Nothing you enter is stored or sent to a server.

Free Financial Calculator

Frequently Asked Questions

What is this?

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