Finance Calculator
Loan, savings and investment maths in a single tool.
Last updated: January 2025 · Built for the 2024–25 financial year
Inputs
Monthly repayment
$405.53
Total interest
$4,332
Results
Results display in the panel above based on the active tab.
Results are estimates only. For financial advice, consult a licensed adviser.
Overview
Time-value-of-money: PV, FV, PMT, RATE, NPER
TVM is the cornerstone of corporate finance: a dollar today is worth more than a dollar tomorrow because it can earn interest. Solving for any of the five variables — Present Value, Future Value, Payment, Rate, or Number of periods — answers most finance questions.
Use this to value bonds, price annuities, evaluate lease-vs-buy, or compute the implied return on a mortgage offset strategy.
Formula
TVM equation
PV(1+r)^n + PMT · [((1+r)^n − 1) / r] + FV = 0
All cash flows must be sign-consistent — outflows negative, inflows positive.
Pro tips
- •Use monthly r and n for mortgage problems.
- •Annuity-due adds (1+r) to the PMT term.
- •Always compare projects on the same time basis (same n, same compounding).