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Enter four time value of money inputs and solve the fifth.
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Finance Calculator
Time value of money: solve N, I/Y, PV, PMT or FV
Future value (FV)
-$9,455.36
- N
- 10
- I/Y
- 6%
- PV
- $20,000.00
- PMT
- -$2,000.00
- FV
- -$9,455.36
- Sum of all payments
- -$20,000.00
- Total interest
- $9,455.36
Sign convention: money you pay out (deposits, loan payments) is negative and money you receive is positive, like a financial calculator.
- Balance
| Period | PMT | Interest | Balance |
|---|---|---|---|
| 1 | -$2,000.00 | $1,200.00 | $19,200.00 |
| 2 | -$2,000.00 | $1,152.00 | $18,352.00 |
| 3 | -$2,000.00 | $1,101.12 | $17,453.12 |
| 4 | -$2,000.00 | $1,047.19 | $16,500.31 |
| 5 | -$2,000.00 | $990.02 | $15,490.33 |
| 6 | -$2,000.00 | $929.42 | $14,419.75 |
| 7 | -$2,000.00 | $865.18 | $13,284.93 |
| 8 | -$2,000.00 | $797.10 | $12,082.03 |
| 9 | -$2,000.00 | $724.92 | $10,806.95 |
| 10 | -$2,000.00 | $648.42 | $9,455.36 |
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How the finance calculator works
Every time value of money problem uses one equation: PV × (1 + i)^N + PMT × ((1 + i)^N - 1) / i + FV = 0, where i is the interest rate per period. When payments are made at the beginning of each period, the payment term is multiplied by (1 + i).
Like a financial calculator, cash you pay out is negative and cash you receive is positive. A loan you take out is a positive PV (you receive it) with negative payments; a savings plan has a negative PV and negative deposits, with a positive FV at the end.
N, PV, PMT and FV have direct formulas. The interest rate has none, so it is found numerically to many decimals.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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