Choose language

PL, EN, ES, DE, FR, RU

Time value of money (TVM) - present (PV) and future (FV)

The calculator helps you to calculate the present value of money (PV) and the future value of money (FV) in time.

Time value of money (TVM) - present (PV) and future (FV) - calculator

 Present value of money (PV) | Future value of money (FV) Annuity due Annuity immediate Once CF - cash flow Annual interest rate Annual growth rate Number of periods years quarters months

Usefull information
The concept of a variable value over time can be explained as follows: the same sum of money received today and that received for the year do not have the same value. It is the result of action following factors:
• a decrease in purchasing power - this is a consequence of positive inflation; this means that a product priced today at 1000 MU (monetary units) after a year will most likely cost more than 1000 MU
• the possibility of investing - assuming a profitable investment, the amount of 1000 MU after investing for a certain period is worth more than 1000 MU
• occurrence of risk - risk occurs when it is possible to obtain in the future a sum of money less than the sum that a given person (investor) expects to receive
• preference for current consumption - most people prefer current consumption over future consumption, i.e. 1000 MU is now more valued than the sum of 1000 MU spent on consumption after a year

• Users of this calculator also used

ROT47 cipher - encoder / decoder

ROT47 cipher online encoder and decoder. Encrypt and decrypt any cipher created in a ROT47 cipher. You can use any shift and additionally a key for more precise text encoding.

Harmonic mean calculator

With this calculator you will calculate the harmonic mean.

Linear Function - Calculator

With the help of the math calculator you can easily and quickly calculate the slope, the point of intersection with the Y axis.

Present value of investment (PV) - calculator

The PV calculator helps us to calculate the current value of an investment, i.e. the PV (present value). The PV calculator calculates the amount we need today to obtain the given value in the future after a certain number of years and calculating the interest due, assuming that they will be capitalized (added to the capital) with the specified frequency (e.g. weekly, monthly, quarterly, semi-annually, annually) ie how much do you need today to get X in the future

Quadratic function - canonical form - analysis

With this calculator you can perform a complete canonical form analysis of the quadratic function with explanations. The calculator will show you how to find the general form of a quadratic function from its canonical form. Moreover, it will determine the zeros of the function, its vertex coordinates, calculate the delta and present the product and general form of our function.

Rail Fence, Zig-Zag - encoder / decoder

Rail Fence, Zig-Zag cipher online encoder and decoder. Encrypt and decrypt any cipher created in a Rail Fence, Zig-Zag cipher.

Median of the interval distributive series

With this statistical calculator, you will learn how to calculate the median of an interval distributive series from grouped data.