Finance Calculator - Time Value of Money (FV, PV, PMT, I/Y, N)

This finance calculator can be used to calculate the future value (FV), periodic payment (PMT), interest rate (I/Y), number of compounding periods (N), and PV (Present Value). Each tab represents the parameter to be calculated, working the same way as a 5-key time value of money calculator such as the BA II Plus or HP 12CP.

▼ Modify the values and click the Calculate button to use

N (# of periods)

I/Y (Interest per year)

PV (Present Value)

₹

PMT (Periodic Payment)

₹

FV (Future Value)

₹

Results

FV = --

Sum of all periodic payments --

Total Interest --

Value changes over time

Schedule

Period	PV	PMT	Interest	FV

In basic finance courses, a lot of time is spent on the computation of the time value of money, which can involve 4 or 5 different elements: Present Value (PV), Future Value (FV), Interest Rate (I/Y), and Number of Periods (N). Periodic Payment (PMT) can be included but is not required.

The "time value of money" refers to the concept that a rupee in hand today is worth more than a rupee promised at some future time, because it can be invested to earn interest in the meantime.