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



|






CF - cash flow
Annual interest rate
Annual growth rate
Number of periods








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

    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.

    COSINE calculator

    With the COSINE Trigonometric Calculator you can calculate the values of any cosine function. In addition to the response results, the calculator will also plot the selected function. You can choose one of the preset functions, e.g. cosine, cos 2 - cosine square, arccos - arccosine, cosh - hyperbolic cosine, arcosh - function inverse to cosh, you can also enter your own function, e.g. cos(x ) * cos(x) * cos(x) for cos3(x), cos(2x), cos(x+3), cos(x^2) etc.



    Online calculator

    C
    M+
    M-
    MR
    log
    10x
    MS
    MC
    asin
    acos
    atan
    ex
    sin-1
    cos-1
    tan-1
    ln
    sin
    cos
    tan
    π
    √
    x²
    1/x
    x!
    xM
    (
    )
    exp
    7
    8
    9
    ÷
    4
    5
    6
    ×
    1
    2
    3
    -
    0
    ·
    =
    +
    C
    M+
    M-
    sin
    sin-1
    asin
    MC
    MS
    MR
    cos
    cos-1
    acos
    log
    ln
    10x
    tan
    tan-1
    atan
    π
    e
    ex
    exp
    1/x
    x!
    7
    8
    9
    (
    )
    xM
    4
    5
    6
    -
    ÷
    x²
    1
    2
    3
    +
    ×
    √
    0
    ·
    =