MarketPathAcademy

Time value of money (TVM)

Solve for present value, future value, payment, number of periods or interest rate.

What you enter

  • Solve for
  • Number of periods (N)
  • Interest rate per year (I/Y)
  • Periods per year
  • Present value (PV)
  • Payment each period (PMT)
  • Future value (FV)
  • Payments at

How this is calculated

  • The TVM equation: PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0, where i = annual rate ÷ periods per year.
  • FV, PV and PMT are solved directly; N with logarithms; the rate numerically.

More in this category

∑ NPV & IRR✕ Break-even analysis⌛ Working capital & cash runway± Profit margin & markup

These calculators show illustrative outcomes only. Returns are not guaranteed. Tax rules and rates change; verify them before acting. Nothing here is financial, tax or legal advice.