Finance Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
| Variable | What it represents |
|---|---|
| PV | Present value (today’s lump sum) |
| FV | Future value at the end |
| PMT | Recurring payment per period |
| N | Number of periods |
| I/Y | Interest rate per period |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
shield_lock Your data stays private
Every calculation happens in your browser with JavaScript — your income, balances, and loan numbers are never sent to our servers, logged, or shared. Close the tab and the inputs vanish. No sign-up, no tracking pixels on the form, no spreadsheet emailed to you later.
lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| Goal | Solve for |
|---|---|
| Grow a lump sum | FV from PV, rate, N |
| Fund a future goal | PMT or PV needed |
| Price a loan | PMT from PV, rate, N |
| Find a return | I/Y from PV, FV, N |
| Find a payoff time | N from PV, PMT, rate |
Formula & methodology
Formula: FV = PV × (1 + i)^N + PMT × [((1 + i)^N − 1) / i]
How the result is calculated
The time value of money links five variables; given any four, the fifth is determined. This is the engine behind loans, savings, annuities and investment math.
- Identify which four of PV, FV, PMT, N and I/Y you know.
- Use a consistent period — convert an annual rate to per-period by dividing by the periods per year.
- Solve the TVM equation for the missing variable (the calculator handles the algebra).
Example
Save $200/month for 10 years (N = 120) at 6% annual (i = 0.5%/month) from $0: FV ≈ 200 × [((1.005)^120 − 1) / 0.005] = $32,776.