Financial PV and FV Calculator

Calculate future value (FV) and present value (PV) instantly with this free online financial calculator.

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About This Tool

This FV PV Calculator helps you compute the future value (FV) or present value (PV) of an investment or loan based on key financial parameters. Enter the present value, future value, interest rate (as a percentage), number of periods, and payment amount (if applicable) to perform accurate calculations. The tool supports both FV and PV calculation modes, uses standard financial formulas, and provides detailed results with clear formatting. It's ideal for financial planning, investment analysis, loan assessments, and understanding the time value of money.

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How to Use

Select the calculation mode: 'Calculate Future Value (FV)' or 'Calculate Present Value (PV)'.
Fill in the required input fields based on your selection.
Click the 'Calculate' button to compute the result.
View the detailed output in the results section below.

Frequently Asked Questions

Find Quick Answers

What is Future Value (FV)?

Future Value (FV) is the value of a current asset at a specified date in the future, based on an assumed rate of growth or interest.

What is Present Value (PV)?

Present Value (PV) is the current value of a future sum of money or stream of cash flows, given a specified rate of return.

What formula does this calculator use?

For FV: FV = PV × (1 + r)^n + PMT × [(1 + r)^n - 1] / r. For PV: PV = FV / (1 + r)^n - PMT × [1 - (1 + r)^-n] / r, where r is interest rate per period, n is number of periods.

Can I calculate with regular payments?

Yes, you can include a payment amount (PMT) for annuities. Leave it as 0 if there are no regular payments.

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