Financial Calculator
A flexible time-value-of-money calculator combining present value and periodic payments.
About this calculator
This general-purpose tool computes the future value of a present amount plus a stream of periodic payments at a per-period rate.
Use it for any TVM problem — savings, annuities or projections.
All calculations happen in your browser — your numbers are never sent anywhere. Results are estimates for guidance only, not financial advice.
Frequently asked questions
What is time value of money?
The idea that money today is worth more than the same amount later because it can earn returns.
Is the rate annual or monthly?
It's per period — if you use monthly periods, enter the monthly rate.