Solve for FV, PV, payment, number of periods or interest rate.
Investing ₹1,00,000 at 8% for 10 years gives a future value of ₹2,15,892.50. Pick what to solve for and fill in the rest.
The Finance Calculator is a general time-value-of-money tool. Choose one unknown — future value, present value, regular payment, number of periods or interest rate — and enter the others. It follows the standard financial-calculator convention: money you pay out is negative and money you receive is positive.
It covers loans, savings plans, annuities and investments with one set of formulas. Use the Payment Calculator for loans, the Future Value Calculator for growth and the Present Value Calculator for discounting.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Periods (N) | 10 |
| Rate per year | 8% |
| Periods per year | 1 |
| PV | −₹1,00,000.00 |
| PMT | ₹0.00 |
| FV | ₹2,15,892.50 |
| Case | Future value |
|---|---|
| 10 years at 6% | ₹1,79,084.77 |
| 10 years at 8% | ₹2,15,892.50 |
| 10 years at 10% | ₹2,59,374.25 |
| 20 years at 8% | ₹4,66,095.71 |
| 5 years at 8% | ₹1,46,932.81 |
The principle that money today is worth more than the same amount later, because it can earn interest.
Financial calculators use a cash-flow sign convention: money you pay or invest is negative, money you receive is positive.
Payments at the start (an annuity due) earn one extra period of interest, so they grow to slightly more.
Select “Interest rate”, then enter the number of periods, PV, PMT and FV. The calculator solves for the rate numerically.
Enter the loan as a positive PV, leave FV at 0, and solve for PMT (it will be negative because you pay it).
How many compounding or payment periods occur in a year: 12 for monthly, 4 for quarterly, 1 for annual.
It uses the standard formula: PV(1 + r)ⁿ + PMT(1 + r·t)((1 + r)ⁿ − 1) ÷ r + FV = 0 The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
