Notes:

Compounding Frequency?:

Nominal Annual Rate?:

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Click "Print Preview..." for schedule with subtotals.

Update: Nearly all online, step-by-step guides have been checked and updated. We have started creating a series of video tutorials. See below for a listing of both the guides and tutorials. If a calculation fails, you may have to reload the calculator by pressing [Ctrl][F5] to refresh. Please report any problem you have. Also, the range of allowable interest rates has recently been increased. You may use rates from 2.0% to 8.9%.

TVM is the concept that the value of money changes over time. Having a dollar today is worth more than a dollar tomorrow. Time value of money concepts include future value and present value. Our online TVM calculator is capable of performing any time value of money calculation involving regular or irregular cash flows for savings or loans.

- Payment or loan amount
- Deposit or withdrawal
- Yields: APR, APY or IRR
- Balance as of an exact date
- Date a specific balance is reached
- Present value (PV)
- Future value (FV)
- Balloon payment amount
- Payment required to reach a specific balloon
- Number of payments
- Interest rates - nominal or effective
- Discounted values
- Remaining balance
- Deposit required

- Normal amortization or investment
- Rule-of-78s
- Canadian methods
- US Rule — simple interest
- Supports 360, 364 and 365 day years
- Exact day or periodic interest calculations

- Daily
- Weekly
- Bi-weekly
- Twice monthly (Half-month)
- Every 4 weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 months
- Semiannual
- Annual

* A few features may only be available in C-Value!. Download C-Value! here.

- Amortization & investment schedules
- Schedules with details or totals only
- Custom headers and labels
- Change fonts, colors
- Select a fiscal year end
- Reg. Z APR disclosure report

- Normal
- Interest only
- Enter your own payment amount
- Negative amortization
- Skipped payments or deposits
- Fixed principal + interest
- Percent step amounts
- Dollar step amounts
- Balloon payments
- Extra payments
- Payments to interest
- Cash flow amounts set to any random date

- Exact day simple
- Daily compounding
- Weekly
- Bi-weekly
- Twice monthly (Half-month)
- Every 4 weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 months
- Semiannual
- Annual
- Continuous
- Change the frequency of compounding during a cash flow

These guides walk you through the steps for setting up the indicated calculation. We recommend that you right click on a link and select "Open in New Window" so that you can have the calculator handy in this window as you read the guide.

- Tutorial #1: Conventional Mortgage/Loan with Unknown Payment Amount New: Video
- Tutorial #2: A Typical Investment Cash Flow
- Tutorial #3: A Second Type of Investment Cash Flow
- Tutorial #4: Conventional Loan or Mortgage with Interest Rate Change (ARM)
- Tutorial #5: Loan with Specified Regular Payment Amount For Unknown Term
- Tutorial #6: Unknown Loan Amount with Specified Payment Amount For Known Term
- Tutorial #7: Loan with Final Unknown Balloon Payment Amount
- Tutorial #8: Loan with Known Balloon Payment Amount. Unknown payment amount.
- Tutorial #9: Loan with One Extra, Principal Only, Payment. Regular periodic payments.
- Tutorial #10: Loan with Series of Regular Extra Principal Only Payments New: Video
- Tutorial #11: Loan with Multiple Borrows (typical construction loan)
- Tutorial #12: "Special Series" Loan with "Monthly Skipped" payments.
- Tutorial #13: Loan with Odd Length First Period Followed By Regularly Periods
- Tutorial #14: A "Special Series", First Year's Payments Paying Only Interest.
- Tutorial #15: Calculating loans with accelerated biweekly payments.
- Tutorial #16: Loan with Select Payments at User Specified Amount. US Rule calculation method (no interest on interest).
- Tutorial #17: A Simple Savings Plan to Achieve Future Goal.
- Tutorial #18: A Savings Plan for College Tuition or Retirement
- Tutorial #19: Future Value is Value of Cash Flow at Some Future Date
- Tutorial #20: Present Value is Value of a Future Cash Flow as of Today
- Tutorial #21: Calculate PV of Fixed Principal + Interest Loan
- Tutorial #22: Calculate Rate of Return on Annuity
- Tutorial #23: Calculate Time It Takes to Reach Investment Goal
- Tutorial #24: Calculate Return for X Days
- Tutorial #25: Managing Loan Payment-by-Payment. Tracking Outstanding Balance

Calculations Grouped by Function

New & Popular Calculators

- Amortization Schedule — show/print payment schedule
- Auto Loan — supports optional trade in or deposit
- Budget — income & expense allocation
- Balloon Loan — structure loan with balloon
- Debt Adviser — evaluate 4 debt elimination plans
- Goal Planning — design both savings & spending needs
- Loan calculator — solve for any unknown
- Mortgage Calculator — solves for 6 variables
- Net Worth — assets minus liabilities
- Value of an Annuity — present value of cash flow
- Savings Calculator — calculate 4 unknowns

Time Value of Money Tutorials

- One loan multiple borrows — setup construction loan
- Structured loan — skipped or stepped payments
- Special payment series — initially only interest paid
- Biweekly payments — save interest
- Audit loan balance — w/ optional irregular payments
- ARM — loan with any date interest rate changes
- Buying mortgages? Calculate mortgage's present value.
- Over 20 Other Step-by-Step Guides
- Video Tutorials

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