Time Value of Money Solver

Pick the unknown; the other four fields become the inputs.

• Future value: what the money grows into by the end.
• Present value: the starting amount needed today.
• Monthly payment: the regular deposit or installment required.
• Time needed: how long until the future value is reached.
• Interest rate: the annual rate that links the other four.

The amount at the start — money already in the account, or the principal of a loan. Use 0 to start from nothing.

The amount added (or repaid) at the end of every month. Use 0 for a pure lump-sum problem with no regular payments.

The balance at the end of the term — the target to hit when solving for the payment, the time or the rate.

The yearly interest rate in percent, compounded monthly — the growth engine linking present and future value.

The length of the term; internally it is counted in whole months. Longer terms give compounding more room to work.