TVM Calculator
Mode & Timing
Time & Rate
Total compounding periods (e.g., 120 for 10 years monthly).
Rate applied per period (e.g., 0.5% for 6% annual / 12 months).
Cash Flows
Cash Flow and Balance Chart
Period by Period Discounting Data
| Period | Beg. Balance | Cash Flow (PMT) | Interest Earned | End Balance |
|---|
Standard TVM Assumptions & Sign Convention
- Cash Outflows are Negative: Investments, initial deposits, and ongoing payments you make should be entered as negative numbers (e.g.,
-1000). - Cash Inflows are Positive: Money you receive, such as loan disbursements or the final Future Value payout, will display as positive numbers.
- Ensure your Rate (i) matches your Periods (n) frequency. If (n) is in months, your rate must be the monthly rate (Annual Rate รท 12).
- Calculations use standard compound interest and annuity formulas. If calculating rate (i), it applies a numerical Newton-Raphson approximation.