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

Use signed cash flows. Add as many dates as needed. NPV is at time 0; NFV is at the target time.

Rate per period (%)

NFV target time

Conversion

APR (%)

Periods per year (m)

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