Present Value Calculator

Finance Calculator
Time value of money calculations: future value, present value, and years to goal.

What this calculator does

This finance calculator focuses on the time value of money. It lets you solve for future value, present value, or the number of years needed to reach a goal at a given rate of return.

Use it to study investment growth, discount future cash flows, or estimate how long it will take to double your money under different rate assumptions.

How to use this calculator

Enter your information in the fields above, run the calculation, and review the result to understand what it means for your situation.

How to interpret your result

Look at the output in the context of your overall goals rather than in isolation. Consider how sensitive the result is to changes in your inputs (for example, adjusting the amount, rate, or time) to understand which factors matter most.

Limitations and notes

This tool is a simplified model and does not capture every nuance of real life. Treat it as a planning aid, not a guarantee. For important financial or health decisions, combine these results with professional advice and more detailed analysis.