Finance Calculator

Calculate FV, PV, PMT, N, or I/Y using time value of money. Works like a BA II Plus or HP 12C calculator.

Modify values and click Calculate
FV
PV
PMT
N
I/Y
Negative = payments received

Financial Calculators
Results
Sum of all periodic payments:
Total Interest:
Effective Rate:
PV | PMT | Interest Comparison
PV
PMT
Interest
PV
PMT
Interest
Amortization Schedule
Period Beg. Balance Payment Interest End Balance
About Finance Calculator

The Finance Calculator helps you calculate key financial values such as Future Value (FV), Present Value (PV), Payment (PMT), Number of Periods (N), and Interest Rate (I/Y). It is commonly used for loan calculations, investment planning, and financial analysis.

How Finance Calculator Works

This calculator is based on the time value of money concept. It allows you to solve different financial equations by entering known values and calculating the unknown variable.

  • FV (Future Value): Value of investment in future
  • PV (Present Value): Current value of future money
  • PMT (Payment): Periodic payment amount
  • N: Number of periods
  • I/Y: Interest rate per year
FAQ - Finance Calculator

1. What is a Finance Calculator?

A Finance Calculator is a tool used to calculate financial values like loan payments, investment growth, and interest rates.

2. What does FV mean?

FV (Future Value) represents how much your money will grow over time with interest.

3. What is PV?

PV (Present Value) is the current worth of a future sum of money.

4. What is PMT?

PMT is the fixed payment made each period for loans or investments.

5. What is I/Y?

I/Y is the annual interest rate used in calculations.

6. What is N?

N is the total number of periods (months or years).

7. What is payment timing?

Payment timing defines whether payments are made at the beginning (due) or end (ordinary) of each period.