TVM calculator

Solve the equal-period savings equation for future value, present value, payment, periods or interest rate.

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Present balance (ignored when solving it)

Future balance (ignored when solving it)

More inputs and assumptions

Payment each period (ignored when solving it)

Rate per period (%, ignored when solving it)

Periods (ignored when solving it)

Solve for

Answer

…

Solve the equal-period savings equation for future value, present value, payment, periods or interest rate.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

Balances and deposits are nonnegative, payments arrive at period end and the rate is constant. Use the same period for payments and interest. The input for the unknown is ignored. A negative required deposit or impossible target is rejected. Period estimates can be fractional mathematical times, not a payment schedule. Rate search is limited to -99.9% through 1,000% per period; no fees, taxes or guaranteed investment returns.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.

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Updated 2026-09-29

Using TVM calculator

Solve the equal-period savings equation for future value, present value, payment, periods or interest rate.

Next: Financial calculator

Next: Present value of annuity calculator

A worked example

For present balance (ignored when solving it) = 1000, future balance (ignored when solving it) = 1420, payment each period (ignored when solving it) = 100, rate per period (%, ignored when solving it) = 10, periods (ignored when solving it) = 2, solve for = Future balance, future balance = 1420.

Before you use the result

Example results for present balance (ignored when solving it)

These examples use Future balance (ignored when solving it): 1420; Payment each period (ignored when solving it): 100; Rate per period (%, ignored when solving it): 10; Periods (ignored when solving it): 2; Solve for: Future balance. They are reference calculations, not recommended settings.

Present balance (ignored when solving it)	Future balance
500	815
1000	1420
2000	2630

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ToolOctopus. “TVM calculator.” Updated 2026-09-29. https://tooloctopus.com/tvm-calculator.

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