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