Enter values and select Calculate to see your result.
Calculate present value, future value or periodic payments
Cash-flow convention: money paid out is negative and money received is positive. Rate is per period; payments occur at period end.
How to use the Finance Calculator
Solve for future value, present value or periodic payment using a rate and cash-flow series.
- Choose future value, present value or payment.
- Enter signed cash flows, rate per period and periods.
- Calculate using the same period convention for every input.
Finance Calculator formula
The time-value-of-money equation relates PV, FV, payment, rate and periods; cash directions use opposite signs.
Worked example
Inputs: Find future value of a $10,000 present value with $100 monthly at 0.5% for 60 periods.
What to expect: The calculator returns the missing cash-flow value using the entered sign convention.
How to read your result
A rate of 0.5% per period is not automatically annual; match rate and payment frequency.
Frequently asked questions
Why do signs matter?
Money paid out is negative and money received is positive for the solver.
Can I use an annual rate with monthly payments?
Convert the rate to the monthly period first.