A unified TVM solver inspired by the HP-12C. Enter any 4 of the 5 variables and solve for the missing one.
TVM Variables
Sign convention (HP-12C style): Cash outflows (money you pay) are negative. Cash inflows (money you receive) are positive.
For example, a loan: PV is positive (you receive funds), PMT is negative (you make payments).
Solved Variable
--
Total Payments
$0
Total Interest
$0
Periodic Rate
0%
Balance Over Time
TVM Equation: PV × (1 + i)N + PMT × [((1 + i)N − 1) / i] × (1 + i × type) + FV = 0
Where i = (I/Y / 100) / payments_per_year, type = 0 (end) or 1 (beginning)