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Future and Present Value of Money

Table search for values to calculate

Future Value - interest compounded annually
Future Value - interest compounded monthly
Future Value - select number of compounding periods per year
Present Value - interest compounded annually
Present Value - interest compounded monthly
Present Value - select number of compounding periods per year
Rate of Return - interest compounded annually
Rate of Return - interest compounded monthly
Savings Deposit - monthly deposit needed for a Future Value at term - interest compounded monthly
Future Value of Savings Deposits - monthly deposit - term - interest compounded monthly
Term in Years - needed for a Present Value to mature to Future Value

Installment Loans
Amortization Schedule Calculator
Annual Percentage Rate (APR) given Interest Rate
Interest Rate given the Annual Percentage Rate (APR)
Annual Interest - loan compounded monthly
Amount Still Owed after a number of monthly payments have been made
Amount Still Owed after monthly payments have been made for a number of years
Loan Principal - annual payment - interest compounded annually how much money you can borrow
Loan Principal - monthly payment - interest compounded monthly how much money you can borrow
Payment - annual payment - interest compounded annually
Payment - monthly payment - interest compounded monthly
Term - Number of Years needed to pay off loan

Annuities
Annuity - receive Monthly payments
Annuity - receive Annual payments

Future Value select number of compounding periods per year - (rounded to cents)
principal = dollar value you have now (Present Value)
Enter principal:
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Enter term, in years:
Enter annual rate of return (interest) in percent %
Future Value is
Total interest earned is
Present Value select number of compounding periods per year - (rounded to cents)
future sum = dollar value you want to have in term of years (Future Value)
Enter future sum :
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Enter term, in years:
Enter annual rate of return (interest) in percent %
Present Value is
Future Value interest compounded monthly - (rounded to cents)

principal = dollar value you have now (Present Value)
Enter principal:
Enter term, in years:
Enter annual rate of return (interest) in percent %
Future Value is
Total interest earned is

Present Value interest compounded monthly - (rounded to cents)

future sum = dollar value you want to have in term of years (Future Value)
Enter future sum :
Enter term, in years:
Enter annual rate of return (interest) in percent %
Present Value is

Future Value interest compounded annually - (rounded to cents)

principal = dollar value you have now (Present Value)
Enter principal:
Enter term, in years:
Enter annual rate of return (interest) in percent %
Future Value is
Total interest earned is

Present Value interest compounded annually - (rounded to cents)

future sum = dollar value you want to have in term of years (Future Value)
Enter future sum :
Enter term, in years:
Enter annual rate of return (interest) in percent %
Present Value is

Rate of Return Calculator

Rate of Return interest compounded annually

Enter Present Value:
Enter Future Value:
Enter term, in years:
Annual Compounded Interest Rate

Rate of Return Calculator

Rate of Return interest compounded monthly

Enter Present Value:
Enter Future Value:
Enter term, in years:
Annual Interest Rate (compounded monthly)

Payment annual payment - interest compounded annually - (rounded to cents)

loan amount = dollars you want to borrow
Enter loan amount :
Enter term, in years:
Enter annual interest in percent %
Annual Payment is

Payment monthly payment - interest compounded monthly - (rounded to cents)

loan amount = dollars you want to borrow
Enter loan amount :
Enter term, in years:
Enter annual interest in percent %
Monthly Payment is

Create Wealth through Regular Savings Deposits

Deposit monthly deposit needed for a Future Value - interest compounded monthly - (rounded to cents)

Wealth sum (Future Value) = dollars sum you want to have in the account by the end of the savings term
Enter Wealth sum :
Enter term, in years:
Enter annual rate of return (interest) in percent %
Monthly Deposit is

Create Wealth through Regular Savings Deposits

Future Value of Deposits monthly deposit - interest compounded monthly - (rounded to cents)

Wealth sum (Future Value) = dollars sum you want to have in the account by the end of the savings term
Enter Monthly Deposit :
Enter term, in years:
Enter annual rate of return (interest) in percent %
Future Value is
Total interest earned is

Calculate (Loan Principal - Present Value) how much money you can borrow if you know your Monthly Payment, Interest, Term of Loan

Loan Amount monthly payment - interest compounded monthly - (rounded to cents)

Monthly Payment = dollar amount you want to pay each month
Enter Monthly Payment :
Enter term, in years:
Enter annual rate of interest in percent %
Loan Amount
Total interest payed is

Calculate (Loan Principal - Present Value) how much money you can borrow if you know your Annual Payment, Interest, Term of Loan

Loan Amount annual payment - interest compounded annually - (rounded to cents)

Annual Payment = dollar amount you want to pay each year
Enter Annual Payment :
Enter term, in years:
Enter annual rate of interest in percent %
Loan Amount
Total interest payed is

Calculate the Annual Percentage Rate (APR) given Interest Rate
Annual Percentage Rate (APR) given Interest Rate
Enter Interest per Year in percent: %
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Annual Percentage Rate
Calculate the Interest Rate given Annual Percentage Rate (APR)
Interest Rate given the Annual Percentage Rate (APR)
Enter Annual Percentage Rate (APR) in percent: %
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Interest Rate is:
Term in Years
How many years are needed for a Present Value to mature to Future Value?
Enter Present Value:
Enter Future Value:
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Enter annual rate of return (interest) in percent %
Years needed
Annual Interest loan interest compounded monthly

principal = dollars you want to borrow
Enter principal:
Enter term, in years:
Enter Monthly Payment:
Annual interest in percent is

Installment Loans
Amount Still Owed number of monthly payments made - interest compounded monthly - (rounded to cents)

Principal amount borrowed = dollars you want to borrow
Enter loan principal :
Enter annual interest in percent %
Enter monthly payment:
Enter number of payments made:
Amount Still Owed is
Amount of Principal repaid is
Amount of Interest paid is

Amount Still Owed number of years monthly payments have been made - interest compounded monthly - (rounded to cents)

Principal amount borrowed = dollars you want to borrow
Enter loan principal :
Enter number of years payments have been made:
Enter annual interest in percent %
Enter monthly payment:
Amount Still Owed is
Amount of Principal repaid is
Amount of Interest paid is

Number of Years needed to pay off loan
How many years are needed to pay off the loan?
Enter Loan Principal:
Enter Periodic Payment:
    Number of Compounding Periods per Year
   -----------------------------------------------
   Annual                      1
   Semiannual                  2
   Quarterly                   4
   Monthly                    12
   Weekly                     52
   Daily                     360 or 365(actual)
Enter Number of compounding periods per year:
Enter annual interest in percent %
Number of Years needed
Annuity:
Calculate how much money (lump sum) will need to be invested to receive a certain payment,
if you know your Monthly Payment, Interest, Term of Loan

Annuity Amount monthly payment - interest compounded monthly - (rounded to cents)

Monthly Payment = dollar amount you want to receive each month
Enter Monthly Payment :
Enter term, in years:
Enter annual rate of interest in percent %
Annuity Amount
Total interest payed is

Annuity:
Calculate how much money (lump sum) will need to be invested to receive a certain payment,
if you know your Annual Payment, Interest, Term of Loan

Annuity Amount annual payment - interest compounded annually - (rounded to cents)

Annual Payment = dollar amount you want to receive each year
Enter Annual Payment :
Enter term, in years:
Enter annual rate of interest in percent %
Annuity Amount
Total interest payed is

Monthly Payment live on interest, the balance does not change

Balance = dollars you want to deposit into your account
Enter Balance amount :
Enter annual interest in percent %
Monthly Payment to you is

Balance needed for a Monthly Payment live on interest, the balance does not change

Balance = dollars you want to deposit into your account
Enter Monthly Payment :
Enter annual interest in percent %
Balance needed

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Directions

Type the number in the box and then click "Calculate"
If the number is 6.7 then type "6.7" (no quotations marks).
You may type the decimal point.
If the number is 2154 you may type "2,154", you may type the comma. Type "2,154".
If you want to type "256,678", but you type "25k,678", the computer will use "25678" to calculate the answer.
If you type "ghblxz", the computer will use "0" to calculate the answer.
If you type "1.9e2", the computer will use "190" to calculate the answer.

NaN = not a number

To clear the entry boxes click "Reset".

Click on the " ? " for the unknown value you want to calculate

Present Value Principal	Future Value	Rate of Return Interest Rate	Loan Interest Rate	Number of Compounding Periods per Year	Term in Years	Periodic Payment Amount	Number of Periodic Payments
known	?	known	---	select	known	---	---
?	known	known	---	select	known	---	---
known	?	known	---	monthly	known	---	---
?	known	known	---	monthly	known	---	---
known	?	known	---	annually	known	---	---
?	known	known	---	annually	known	---	---
known	known	?	---	annually	known	---	---
known	known	?	---	monthly	known	---	---
known	---	---	known	annually	known	?	annual
known	---	---	known	monthly	known	?	monthly
---	known	known	---	monthly	known	?	monthly
---	?	known	---	monthly	known	known	monthly
?	---	---	known	monthly	known	known	monthly
?	---	---	known	annually	known	known	annual
known	known	known	---	select	?	---	---
known	---	---	known	select	?	known	select
known	---	---	?	monthly	known	known	monthly
Present Value Principal	Future Value	Rate of Return Interest Rate	Loan Interest Rate	Number of Compounding Periods per Year	Term in Years	Periodic Payment Amount	Number of Periodic Payments

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