Finance Calculator

A comprehensive Time Value of Money (TVM) calculator. Enter any four variables to solve for the fifth — used by Australian finance professionals and students.

TVM Variables — leave one blank to solve

Enter any 4 values and leave the one you want to solve for blank (or zero). Cash outflows are negative.

N — Periods ?

I/Y — Rate/Period ?

PV — Present Value ?

PMT — Payment ?

FV — Future Value ?

Payments

End of period Beginning (annuity due)

Periods per year

Solution

Solved Variable

—

Enter values and press Solve

Variable	Value

Quick Reference — Common Australian Scenarios

Scenario	Typical values
Home loan repayment	N=360, I/Y=0.52, PV=−500000, FV=0 → PMT
Super accumulation	N=360, I/Y=0.583, PV=−50000, PMT=−1000 → FV
Car loan affordability	N=60, I/Y=0.583, PMT=600, FV=0 → PV
Term deposit	N=12, I/Y=0.375, PV=−10000, PMT=0 → FV

Time Value of Money in Australian Finance

The Time Value of Money (TVM) is a fundamental principle: a dollar today is worth more than a dollar in the future, because today's dollar can be invested to earn returns.

Using This Calculator

Enter four of the five TVM variables (N, I/Y, PV, PMT, FV) and leave one blank. The calculator solves for the missing value. Sign convention: cash outflows are negative (money you pay out), inflows are positive.

Applications in Australia

Home loan and personal loan repayment calculations
Superannuation accumulation projections
Term deposit and savings growth
Business capital budgeting (NPV, IRR)
Lease vs buy decisions
HECS/HELP repayment modelling

Annuity Due vs Ordinary Annuity

An ordinary annuity (end of period) is standard for most loans. An annuity due (beginning of period) is used for leases. The annuity due has a slightly higher present value because payments arrive one period earlier.