Time Value of Money Calculator
Calculate future or present value of a lump sum plus regular contributions, with compounding.
Compound interest with regular contributions. Educational estimate — not financial advice.
What Is the Time Value of Money Calculator?
The Time Value of Money Calculator finds the future value or present value of money over time, combining a lump sum with regular contributions and any compounding frequency. Future-value mode shows what savings grow to (and how much is interest); present-value mode shows what a future amount or stream is worth today.
How It Works
Pick Future Value or Present Value, then enter the amount, payment per period, annual rate, number of years and compounding frequency. Results update live.
When to Use It
For planning savings and investments, comparing a lump sum today versus payments over time, or learning core finance concepts like compounding and discounting.
Frequently Asked Questions
- What does present value tell me?
- What a future amount or stream of payments is worth in today's dollars at a given rate — useful for comparing offers paid at different times.
- Is this financial advice?
- No — it's an educational estimate that assumes a fixed rate and ignores taxes and fees.
Last reviewed: 2026-06-27