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Time Value of Money Calculator

Finance
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Calculates present value, future value, interest rate, and number of periods for investments and loans, based on the time value of money principles.

How To Use

How to use this calculator

Start with your values, or try a preset.

Step 1

Enter Present Value, Future Value, Interest Rate (per year), and Number of Years in the units shown.

Step 2

Read Calculated Number of Years, Calculated Interest Rate (per year), Calculated Future Value, and Calculated Present Value in the results panel. Results update as you change the inputs.

Step 3

Choose a preset to load an example, then adjust the values for your situation.

Worked Examples

Example calculations

See the inputs and their calculated results.

Future Value Goal

Present Value: 500 USD; Future Value: 1,000 USD; Interest Rate (per year): 7 %; Number of Years: 7 years

Calculated Number of Years: 10.24476835 years; Calculated Interest Rate (per year): 10.40895137 %; Calculated Future Value: 802.8907382 USD; Calculated Present Value: 622.7497419 USD

Loan Scenario

Present Value: 10,000 USD; Future Value: 12,000 USD; Interest Rate (per year): 6 %; Number of Years: 3 years

Calculated Number of Years: 3.128968135 years; Calculated Interest Rate (per year): 6.265856918 %; Calculated Future Value: 11,910.16 USD; Calculated Present Value: 10,075.4314 USD

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Important

Treat this output as a planning estimate and confirm rates, tax rules, and contract terms before making financial decisions.