What is a finance (TVM) calculator?

A time-value-of-money (TVM) calculator lets you solve for any one variable - payment, amount, rate, term or future value - when you know the others, using the same math behind professional financial calculators.

How do I find the interest rate on a loan?

Enter the loan amount, your monthly payment and the term, then set 'Solve for' to Interest Rate. The calculator finds the rate that matches your payment.

Finance (TVM) Calculator

Pick the variable you want to solve for, then enter the rest.

Time Value of Money

Solve For

Loan Amount ($)

Interest Rate (% p.a.)

Term (years)

yrs

Monthly Payment ($)

Target Future Value ($)

Monthly Payment

—

Total Payments

—

Total Interest

—

How the finance calculator works

This is a time-value-of-money (TVM) engine. Choose what to solve for, fill in the other four values, and it computes the missing one using standard amortization math — the same logic used in professional financial calculators.

Finance Calculator FAQ

How can I find how long a loan takes to pay off?▶

Set 'Solve For' to Loan Term and enter the amount, rate and the payment you can afford. The result shows the number of years that payment will take.

What is the difference between amount and future value?▶

Loan Amount is the principal today. Future Value is what a series of payments grows to at the given rate — useful for savings targets.