Time Value of Money Calculator
Solve for Present Value, Future Value, Rate, Periods, or Payment — the 5 core TVM variables.
Solve For
₹
Current value of the money
%
Regular contribution each period (0 if none)
Future Value
2,15,892.4997
All TVM Variables
Present Value (PV)
₹1,00,000
Future Value (FV)
2,15,892.4997
Interest Rate (r)
8% p.a.
Periods (N)
10 years
Payment (PMT)
₹0/period
About Time Value of Money
What is TVM?
Time Value of Money (TVM) is the concept that ₹1 today is worth more than ₹1 in the future, because money available today can be invested to earn returns. TVM is the foundation of all financial planning, loan analysis, and investment decisions.
The 5 TVM Variables
PV – Present Value: what the money is worth today
FV – Future Value: what the money grows to
r – Interest Rate: annual return or cost of money
N – Number of Periods: usually years
PMT – Payment: regular periodic contribution
When to use TVM
Comparing investment options with different timelines
Calculating loan costs over the full tenure
Planning for retirement or education corpus
Evaluating whether to pay lump sum or EMI
🔒 All calculations happen in your browser — no data is sent to any server. Results are for informational purposes only.