Rate Calculator — Team Cocco Financial Planning

📊 Known Values

Enter what you know — the calculator will solve for the annual rate. Use negative for money going out (investments), positive for money coming in.

Present Value ($)

Starting value or initial investment (negative = outflow)

Future Value ($)

Ending value or maturity amount

Periodic Payment ($)

Regular payments (negative = outflow, 0 = none)

Number of Years

Investment time horizon

Compounding Frequency

Payment Timing

Could not find a valid rate. Please check your inputs.

Annual Rate of Return

Periodic Rate

Effective Annual Rate

Total Return

📊 Rate Sensitivity Analysis

🔍 What If Scenarios

Method: Newton-Raphson iterative solver. Finds r where:
PV × (1+r)ⁿ + PMT × [((1+r)ⁿ − 1)/r] × (1+r×type) + FV = 0
Typically converges within 20-50 iterations to 10-decimal accuracy.