Online Calculators > Financial Calculators > Time Value of Money Calculator

TVM Calculator

TVM Calculator to calculate the future value of money. Time value of money calculator with regular contributions to estimate how long and how much you need to invest to reach your financial goal. The time value of money formula is shown below on how to calculate time value of money.

Time Value of Money Calculator

Present Amount: $
Interest Rate: %
Years: years
Compound Period:
Additional Contributions: $
Future Value:

Time Value of Money Calculator

TVM formula has option for different compound periods and additional monthly or yearly contribution. Many people doesn't realize how much their money can grow with compound interest and regular deposits.

Time Value of Money Formula

Following is the time value of money formula on how to calculate TVM.
TVM = Principal * (1 + r)^n; r = interest rate
n = number of compounding periods per year

How to Calculate Time Value of Money

To use the time value of money formula, we need a few given variables, the principal, interest rate, years to grow and the number of compounding periods per year.

For example, to find out how much $20,000 can grow in 8 years with a 5% interest rate and annual compounding, we would plugin the variables to the TVM formula as below

TVM = 20000*(1+0.05)^8 = $29,811.71

What is the time value of money?

The time value of money is the idea that the same amount of money is worth more today than in the future due to inflation and other factors.

For example, $100 today has more purchasing power today than it would be in 10 years. A $100 today can also be invested and grown to $200 or even more 10 years later.

Therefore, as an investor, one wants to receive money today rather than in the future. As a lender, he charges interest when he lends money to a borrower.

Present Value Calculator
Future Value Calculator

Electrical Calculators
Real Estate Calculators
Accounting Calculators
Business Calculators
Construction Calculators
Sports Calculators
Physics Calculators
Random Generators

Financial Calculators
Compound Interest Calculator
Mortgage Calculator
How Much House Can I Afford
Loan Calculator
Stock Calculator
Investment Calculator
Retirement Calculator
401k Calculator
eBay Fee Calculator
PayPal Fee Calculator
Etsy Fee Calculator
Markup Calculator
TVM Calculator
LTV Calculator
Annuity Calculator
How Much do I Make a Year

Math Calculators
Mixed Number to Decimal
Ratio Simplifier
Percentage Calculator

Health Calculators
BMI Calculator
Weight Loss Calculator

CM to Feet and Inches
MM to Inches

How Old am I
Random Name Picker
Random Number Generator