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A time value of money calculator: solve for FV, PV, payment, rate or periods with payments and compounds per year.

Change the values and press Calculate to work out your own figures.

Solve for FV

Enter N, I/Y, PV and PMT.

Payment or compounding periods.
Nominal annual rate; negative allowed.
A number; negative for money paid out.
A number; negative for money paid out.
Beginning earns one more period of interest.
Changes how amounts are shown, not the math; your choice is remembered on this device.
1 if blank.
Same as P/Y if blank.
Result
FV
−$9,455.36
Settings
P/Y 1, C/Y 1, payments at the end

FV = −$9,455.36.

Show the working
  1. PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0
  2. i = (1 + I/Y ÷ C/Y)^(C/Y ÷ P/Y) − 1

Solve for PV

Enter N, I/Y, PMT and FV.

Payment or compounding periods.
Nominal annual rate; negative allowed.
A number; negative for money paid out.
A number; negative for money paid out.
Beginning earns one more period of interest.
Changes how amounts are shown, not the math; your choice is remembered on this device.
1 if blank.
Same as P/Y if blank.
Result
PV
−$558.39
Settings
P/Y 1, C/Y 1, payments at the end

PV = −$558.39.

Show the working
  1. PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0
  2. i = (1 + I/Y ÷ C/Y)^(C/Y ÷ P/Y) − 1

Solve for PMT

Enter N, I/Y, PV and FV.

Payment or compounding periods.
Nominal annual rate; negative allowed.
A number; negative for money paid out.
A number; negative for money paid out.
Beginning earns one more period of interest.
Changes how amounts are shown, not the math; your choice is remembered on this device.
1 if blank.
Same as P/Y if blank.
Result
PMT
−$1,199.10
Settings
P/Y 12, C/Y 12, payments at the end

PMT = −$1,199.10.

Show the working
  1. PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0
  2. i = (1 + I/Y ÷ C/Y)^(C/Y ÷ P/Y) − 1

Solve for I/Y

Enter N, PV, PMT and FV.

Payment or compounding periods.
A number; negative for money paid out.
A number; negative for money paid out.
A number; negative for money paid out.
Beginning earns one more period of interest.
Changes how amounts are shown, not the math; your choice is remembered on this device.
1 if blank.
Same as P/Y if blank.
Result
I/Y
7.1773%
Settings
P/Y 1, C/Y 1, payments at the end

I/Y = 7.1773%.

Show the working
  1. PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0
  2. i = (1 + I/Y ÷ C/Y)^(C/Y ÷ P/Y) − 1

Solve for N

Enter I/Y, PV, PMT and FV.

Nominal annual rate; negative allowed.
A number; negative for money paid out.
A number; negative for money paid out.
A number; negative for money paid out.
Beginning earns one more period of interest.
Changes how amounts are shown, not the math; your choice is remembered on this device.
1 if blank.
Same as P/Y if blank.
Result
N
11.8957 periods
Settings
P/Y 1, C/Y 1, payments at the end

N = 11.8957 periods.

Show the working
  1. PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0
  2. i = (1 + I/Y ÷ C/Y)^(C/Y ÷ P/Y) − 1

How to use it

Enter N, I/Y, PV and PMT. Enter N, I/Y, PMT and FV. Enter N, I/Y, PV and FV. Enter N, PV, PMT and FV. Enter I/Y, PV, PMT and FV.

Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.

Key facts

PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0

Signs

Money paid out is negative, money received positive.

Questions

With PV 20,000, PMT −2,000, 10 periods at 6%, what is FV?

−$9,455.36.

Reviewed by RK Calculator Team. Updated 2026-09-26.

Formulas

PV × (1 + i)^N + PMT × (1 + i × type) × ((1 + i)^N − 1) ÷ i + FV = 0

Sources

Limitations

  • Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
  • Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.

Formula version 0.1.0Reviewed