All-in-One Time Value of Money Calculator

PV, FV, PMT, NPER, RATE, ordinary and due annuities, flexible NPV/NFV, APR, and EAR—all on one focused page.

1. General TVM Solver

Select the unknown. The calculator fills that field and updates the math, Excel formula, and timeline.

Excel sign convention: money received is positive; money paid or deposited is negative. Cash flows must include opposite signs.

Solve for

Rate per period (%)

Number of periods

Payment each period

Present value (PV)

Future value (FV)

Payment timing

2. Flexible NPV and NFV

Use signed cash flows. Add as many dates as needed. NPV is at time 0; NFV is the future value of NPV at the target time. The solution shows both the math and Excel formulas.

Rate per period (%)

NFV target time

Time	Cash flow ($)

jufinance.com/nfv/

3. APR and EAR Converter

Conversion

APR (%)

Periods per year (m)

Video Lesson: How to Use the All-in-One Calculator

Follow Aya’s guided examples, then change the calculator inputs above and check how the math, Excel formula, and timeline respond.

Includes ordinary annuity, annuity due, PV, FV, PMT, NPV, NFV, APR, EAR, timelines, and Excel solutions. Watch on YouTube