Finance Calculator: Master the Time Value of Money

Make data-driven decisions for your family’s financial future.

Financial planning is built on one core principle: a dollar today is worth more than a dollar tomorrow. Our Finance Calculator allows you to solve for any missing variable in a financial equation—whether you’re calculating the future value of an investment, the present value of a future windfall, or the interest rate required to hit a goal.

Savings Goal Calculator

Calculate how to reach your financial targets

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Define your goal to see your saving plan

The 5 Pillars of Finance

To use this calculator effectively, it helps to understand the five variables that govern almost every financial transaction:

  1. Present Value (PV): The current worth of a future sum of money.
  2. Future Value (FV): The value of a current asset at a specified date in the future.
  3. Interest Rate (I/Y): The annual discount or growth rate.
  4. Number of Periods (N): The total number of compounding periods (years, months, etc.).
  5. Payment (PMT): A fixed amount paid or received every period (common in annuities or loans).

Practical Use Cases

On familyhealthcalc.com, we see families use this universal tool for:

  • Lump Sum Growth: “If I invest $10,000 today at 7% for 20 years, what will it be worth?”
  • Goal Planning: “I need $50,000 in 10 years for a college fund. How much do I need to save every month starting now?”
  • Inheritance Valuation: “I am promised $100,000 in 15 years. What is that worth in today’s dollars if inflation is 3%?”
  • Loan Structuring: “I can afford $400 a month. How much can I borrow at a 5% interest rate over 5 years?”