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See the Time Value of Money (TVM) Overview for more information.

See the Time Value of Money Examples for additional information on this calculator.

Using the "long press" gesture will display a hint about any key. (Video: Displaying a hint) You can inspect the Key Details to see the formulas and functions for any key.

Also see the Time Value of Money Form Calculator.

Both of these calculators share the same values so you can start a calculation with one calculator and then switch to the other without having to re-enter the values.

Label | Description |
---|---|

N | Calculates the number of periods. |

I/YR | Calculates the interest rate. |

PV | Calculates the present value. |

PMT | Calculates the payment. |

FV | Calculates the future value. |

√ | Calculates the square root of x. |

%T | Calculates what percentage x is of y. |

Δ% | Calculates the percent change from y to x. |

SWAP | Swaps the x and y registers. |

÷ | Divides y by x. |

ROLL | Rolls the stack down. |

× | Multiplies y times x. |

− | Subtracts x from y. |

% | Calculates the x percent of y. |

+ | Adds y to x. |

Label | Description |
---|---|

×P/YR | Multiplies x times the number of payments per year and stores the result as the number of periods. |

x² | Calculates x squared. |

y^x | Calculates y raised to power of x. |

1/x | Calculates the reciprocal of x. |

last x | Recalls the 'last x' value. |

clr m | Clears all of the user memory. |

clr s | Clears the stack registers (x, y, z, t). |

DATE | Calculates a date by adding x days to the date in y (YYYYMMDD) and the day of the week(1 = Monday) in y. |

RND | Rounds x to the number of digits displayed. |

ln | Calculates the natural logarithm of x. |

clr f | Clears the financial registers. |

ΔDYS | Calculates the number of actual days from date y to date x. The base 360 days to y. |

RND(2) | Rounds x to 2 places. |

exp | Calculates the base-e exponential of x. |

BEG | Sets the payment mode to BEGIN indicating that payments are made at the beginning of the compounding periods. |

today | Calculates the current date in YYYYMMDD format with the day of the week in y. |

INTG | Calculates the integer part of x. |

DEC x | Sets the number of decimal places to the value in x. |

END | Sets the payment mode to END indicating that payments are made at the end of the compounding periods. |

FRAC | Calculates the fractional part of x. |

Label | Description |
---|---|

N | Stores x as the number of periods. |

I/YR | Stores x as the interest rate per year. |

PV | Stores the present value. |

PMT | Stores the payment. |

FV | Stores the future value. |

P/YR | Stores the payments per year and compounding periods per year. |

C/YR | Stores x as the number of compounding periods per year. |