TVM Financial Calculator

Need a Quick TVM Calculation?

Use this free, professional TVM solver to compute PV, FV, PMT, rate, or periods instantly.


Open TVM Calculator

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How to Use the TVM Calculator: Quick Guides

The TVM (Time Value of Money) calculator is a powerful tool for financial decisions. Below, we’ll walk you through three common uses: calculating payments, discounting a mortgage note, and finding your new rate of return. Enter values in the fields (use decimals for rates, e.g., 0.05 for 5%), and press the button next to the variable you want to solve (like “CPT PMT”). Negative numbers indicate outflows (e.g., loan payments).

1. Solve for Payment (e.g., Monthly Loan Installment)

This calculates the periodic payment needed to pay off a loan or build savings.

  • PV (Present Value): Enter the loan amount (e.g., 25,000).
  • FV (Future Value): Enter 0 (loan paid off).
  • I/Y (Interest Rate): Enter annual rate (e.g., 4.8 for 4.8%).
  • N (Periods): Enter total periods (e.g., 60 for 5 years monthly).
  • PMT (Payment): Leave blank and press CPT PMT.

Example Result: For a $25,000 loan at 4.8% over 60 months, PMT = -$469.49 (monthly payment).

2. Discount a Mortgage Note (Find Present Value)

This determines how much a future mortgage payment stream is worth today at a given discount rate—useful for note investing.

  • PV: Leave blank (this is what you’re solving for).
  • FV: Enter 0 (no balloon payment).
  • PMT: Enter monthly payment (e.g., -500 for outflow).
  • I/Y: Enter your discount rate (e.g., 7 for 7%).
  • N: Enter total periods (e.g., 360 for 30 years monthly).
  • Press CPT PV for the discounted value.

Example Result: A $500/month note for 360 months at 7% discount yields PV ≈ $75,153.78 (present worth).

3. See the New Rate of Return (Solve for Interest Rate)

This computes the effective yield after discounting or adjusting a note—great for evaluating investments.

  • PV: Enter purchase price (e.g., 68,000 after discounting).
  • PMT: Enter cash flow (e.g., -500 monthly).
  • I/Y: Leave blank (solve for this).
  • N: Enter periods (e.g., 360).
  • Press CPT I/Y for the annual rate.

Example Result: Buying a 360 month, $500/month note over 360 months yields I/Y = 8.02%(your new return).

Open TVM Calculator

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