Time-value-of-money: project the future value of a present amount and recurring monthly deposits.
Finance Calculator
The Finance Calculator solves time-value-of-money problems - present value, future value, interest rate, and number of periods - the core toolkit for finance students and professionals.
The time value of money
A dollar today is worth more than a dollar tomorrow because it can earn interest. This calculator links the five TVM variables - present value (PV), future value (FV), rate (i), number of periods (n), and payment (PMT) - so that, given any four, it solves for the fifth.
Typical questions it answers
- What will ₹50,000 grow to in 8 years at 9%? (future value)
- How much must I invest today to have ₹10 lakh in 15 years? (present value)
- What rate turns ₹1 lakh into ₹2 lakh in 10 years? (rate)
It is the general-purpose engine behind more specific tools like SIP, FD, and loan calculators.
Frequently Asked Questions
What is the time value of money?
It is the principle that money available now is worth more than the same amount later, because it can be invested to earn returns.
Which variables can it solve for?
Given any four of present value, future value, interest rate, number of periods, and payment, it solves for the remaining one.
How is present value different from future value?
Present value is what a future sum is worth today after discounting; future value is what today's sum will grow to after compounding.
Who uses time-value-of-money calculations?
Finance students, analysts, and anyone comparing investments, loans, or cash flows that occur at different times.
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