TVM Calculators

See how an initial investment and optional regular contributions could accumulate at an assumed interest rate. MiniWebtool’s Future Value Calculator shows compound growth over time, with a year-by-year breakdown separating contributions from interest.

MiniWebtool’s Future Value Factor (FVIF) Calculator finds the multiplier (1+r)^n from an interest rate and number of periods. A period-by-period breakdown illustrates what one unit of money becomes under that compounding assumption.

Regular deposits accumulate differently depending on when each payment arrives. MiniWebtool’s Future Value of Annuity Calculator calculates their future value at an assumed interest rate and compares ordinary annuity payments with payments made at the beginning of each period.

Payments made at the start of a period earn an extra period of interest. MiniWebtool’s Future Value of Annuity Due Calculator calculates the accumulated value of equal beginning-of-period payments and compares it with an ordinary annuity.

MiniWebtool’s Future Value of Growing Annuity Calculator models payments that rise by a constant percentage each period. The accumulated value and payment schedule show how contribution growth interacts with the assumed investment return.

One deposit can grow through many rounds of compounding. MiniWebtool’s Future Value of Lump Sum Calculator projects its value from the starting amount, assumed interest rate, duration, and compounding frequency, with a year-by-year growth breakdown.

MiniWebtool’s FVIFA Calculator finds the future value interest factor for equal end-of-period payments. Rate and period inputs produce the multiplier used to turn a recurring payment amount into an accumulated value, with formula steps explaining the calculation.

MiniWebtool’s Present Value Calculator discounts future money to an equivalent amount today. Choose a lump sum or a supported payment stream, including annuities and perpetuities, to inspect the formula and timeline under your discount-rate assumptions.

MiniWebtool’s Present Value of Lump Sum Calculator works backward from a future amount. Enter the discount rate, time, and compounding frequency to calculate the equivalent value today under those assumptions.

Find the discount multiplier for a single future amount with MiniWebtool’s PVIF Calculator. Rate and period inputs produce the present value interest factor, with worked steps and a visualization of how discounting changes value over time.