Adjust the inputs below. Results update as you type.
The five TVM variables are PV, FV, PMT, r (rate per period), and n (periods). Given any four, the calculator solves for the fifth. This underpins all financial planning: savings goals, loan comparison, lease vs. buy analysis, and investment evaluation. Cash flows are signed—outflows negative, inflows positive. Annuity timing (beginning vs. end of period) affects results.
Deposits are converted to match compound frequency (e.g. quarterly compounds = 3× monthly amount per quarter).
Assumes a steady nominal rate and on-time deposits at the compound cadence. Actual products differ; this is educational only.