TVM Calculator — Calculadora Online Grátis
Time Value of Money engine — solve for any of PV, FV, PMT, Rate or Periods given the other four
Sobre Esta Calculadora
The Time Value of Money (TVM) equation is the master formula underlying all of finance: FV = PV × (1+r)^n + PMT × [(1+r)^n − 1] / r. It has five variables — Present Value, Future Value, Payment, Rate, and Periods — and given any four, this calculator solves for the fifth.
Practical uses: - **Solve for payment**: What monthly payment retires a $30,000 car loan at 6% over 48 months? ($704.55) - **Solve for rate**: A bond costs $950 today and pays $1,000 in 3 years. What's the annual yield? (1.73%) - **Solve for time**: How many years to grow $50,000 to $100,000 at 6%? (11.9 years) - **Solve for PV**: What lump sum invested today at 7% grows to $1,000,000 in 25 years? ($184,249) - **Solve for FV**: If you save $500/month for 20 years at 8%, what's your final balance? ($294,510)
The TVM calculator is used by loan officers, CFPs, investment bankers, real estate investors, and students — any situation where money changes value over time. Understanding which variable to solve for transforms complex financial questions into one-line calculations.
Beginning vs. end-of-period payments (annuity-due vs. ordinary annuity) changes results slightly: a payment at the start of each period has one extra compounding period, making it worth about (1+r) more. This toggle is included in the calculator for situations like rent (paid at start) vs. mortgage payments (paid at end).
Fórmula
FV = PV × (1+r)^n + PMT × [(1+r)^n - 1] / r
Dicas
- The TVM calculator is the universal financial engine. It powers loan payments, investment targets, retirement planning and bond pricing.
- A dollar today is worth more than a dollar tomorrow — this is the core principle of time value of money.