Finance Calculator
Choose the unknown present value, future value, payment, periodic rate or number of periods, then enter the remaining cash-flow values.
Calculator arithmetic runs locally in your browser and does not require an API.
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How to use Finance Calculator
Cash received is positive and cash paid is negative. Match rate and payment period: monthly payments require a monthly rate.
Formula and method
FV + PV(1+r)^n + PMT[(1+r)^n − 1]/r = 0. At 0%: FV + PV + PMT × n = 0. Rate is solved numerically for conventional cash flows.
Understanding the results
Values follow cash-flow signs, so a deposit can be negative and its future value positive. Payments occur at period end. Rate solving searches 0%–100% per period; unsupported or unsolvable inputs return an error.
Worked example
Solve FV with PV = −1,000, PMT = 0, rate = 5% per year and 10 yearly periods. Future value is +1,628.89.
These are mathematical estimates, not financial advice or an offer of credit.
Frequently asked questions
Why must cash flows have opposite signs?
Money paid and money received represent opposite directions. Without consistent signs, the cash-flow equation may have no supported solution.
Is the entered rate annual?
It is per period. A yearly model uses an annual rate; a monthly model requires the monthly rate.
Can the solved period count be fractional?
Yes. It is a mathematical duration, so a fractional result is not a ready-made whole-payment schedule.