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Tools

Financial Calculator

A simple, responsive tool to compute time‑value‑of‑money variables for an ordinary annuity (end‑of‑period payments). Enter any four inputs to solve for the fifth.

Assumes an ordinary annuity (payments at the end of each period).
I/Y is the periodic rate in percent. If you have an annual rate and monthly periods, divide the annual rate by 12 before entering.

Total count of equal periods (months, quarters, years, etc.).
Periodic interest rate in percent (% per period). If your rate is annual but periods are months, divide by 12.
Amount today (loan principal or initial investment). Use positive numbers.
Equal payment made each period. Use positive numbers for outflows you pay.
Balance at the end of N periods (balloon amount or target future value).
Result
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Sum of all periodic payments
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Total Interest (loan view)
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Interest earned (investment view)
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