5-Key Time Value of Money (TVM) Financial Solver (BA II Plus & HP 12CP compatible)
This finance calculator can be used to calculate the future value (FV), periodic payment (PMT), interest rate (I/Y), number of compounding periods (N), and PV (Present Value). Each of the following tabs represents the parameters to be calculated. It works the same way as the 5-key time value of money calculators, such as BA II Plus or HP 12CP calculator.
• Cash Flow Convention: Cash paid out (investments, loans disbursed, deposits) is entered as a negative value (-). Cash received (payouts, future balances, loan proceeds) is positive (+).
• Solver Tabs: Click any of the 5 tabs (FV, PMT, I/Y, N, PV) to select the unknown variable you wish to solve for.
• Settings: Open the Advanced Settings menu to adjust compounding frequency ($P/Y$, $C/Y$) and annuity timing (End vs Beginning/BGN mode).
• Negative (-) Sign: Represents cash outflow (money leaving your pocket, e.g., initial deposit or periodic loan payments).
• Positive (+) Sign: Represents cash inflow (money received into your pocket, e.g., loan principal borrowed or final investment payout).
Multi-line tracking of balance trajectory, cumulative payments, and accumulated interest across all compounding periods.
Detailed step-by-step breakdown of starting balance, periodic cash flow, interest accrued, and closing value.
| Period | PV (Start Balance) | PMT | Interest | FV (End Balance) |
|---|---|---|---|---|
| 1 | $20,000.00 | -$2,000.00 | $1,200.00 | $19,200.00 |
| 2 | $19,200.00 | -$2,000.00 | $1,152.00 | $18,352.00 |
| 3 | $18,352.00 | -$2,000.00 | $1,101.12 | $17,453.12 |
| 4 | $17,453.12 | -$2,000.00 | $1,047.19 | $16,500.31 |
| 5 | $16,500.31 | -$2,000.00 | $990.02 | $15,490.33 |
| 6 | $15,490.33 | -$2,000.00 | $929.42 | $14,419.75 |
| 7 | $14,419.75 | -$2,000.00 | $865.18 | $13,284.93 |
| 8 | $13,284.93 | -$2,000.00 | $797.10 | $12,082.03 |
| 9 | $12,082.03 | -$2,000.00 | $724.92 | $10,806.95 |
| 10 | $10,806.95 | -$2,000.00 | $648.42 | $9,455.36 |
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