Time Value of Money Calculators

Welcome to actionList.Pro's collection of time value of money calculators.

Time value of money (TVM) calculations offer unique insights into financial decision making.
TVM is the fundamental principle in finance that describes how a payment's present or future value responds to changes in the time period over which it is discounted or compounded.
Advanced TVM principles build on fundamental TVM principles to include payment frequency, intra-period payment timing, payment growth, compounding / discounting frequency, inflation, risk and tax considerations.
Use the left and right arrows (or dots at the bottom of this slideshow panel) to discover and access specific TVM calculators, and deepen your financial insights.

Calculator
Tips and Hints

Calculator use is subject to actionList.Pro's Terms of Use Agreement and Privacy Policy. They do not convey investment advice.
Mouseover or click on the "i" symbols next to the input fields for a description of requirements for that field.
Use percentages for rate inputs. E.g., For 1.50%, use 1.5 or 1.50, but not 0.015.
Where applicable, use unit conventions consistently. E.g., If $10 is chosen to represent $10 million, continue using that convention.
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Enjoy!

Lump Sum

Submit payment and interest rate details to calculate the present value or future value of a lump sum; a single payment occuring now, or at some time in the future.

Present Value

Future Value

Payment [$]:		Payment Units: USD > 0 <= 10M <= 2 Decimal Places
Time Hzn [#]:		Time Horizon Units: Years Integers Only > 0 <= 100

i Rate [%]:		Interest Rate Units: Percent / Yr > 0 <= 30 <= 2 Decimal Places 1.00 = 1.00%
Cmp Frq [#]:		Compounding Frequency Units: Compounding Periods / Yr Select from the dropdown list

Ordinary Annuity

Submit payment and interest rate details to calculate the present value or future value of an ordinary annuity; a series of equal and evenly distributed end-of-period payments with a finite time horizon.

Present Value

Future Value

Payment [$]:		Payment Units: USD > 0 <= 100K <= 2 Decimal Places
Time Hzn [#]:		Time Horizon Units: Years Integers Only > 0 <= 100
Pmts / Yr [#]:		Payments / Yr Units: Number of Payments / Yr Select from the dropdown list

i Rate [%]:		Interest Rate Units: Percent / Yr > 0 <= 30 <= 2 Decimal Places E.g.: 1.00 = 1.00%
Cmp Frq [#]:		Compounding Frequency Units: Compounding Periods / Yr ∞ = Continuous Compounding Select from the dropdown list

Growing Ordinary Annuity

Submit payment and interest rate details to calculate the present value or future value of a growing ordinary annuity; a series of evenly distributed and growing end-of-period payments with a finite time horizon.

Present Value

Future Value

Payment [$]:		Payment Units: USD > 0 <= 100K <= 2 Decimal Places
Time Hzn [#]:		Time Horizon Units: Years Integers Only > 0 <= 100
Pmts / Yr [#]:		Payments / Yr Units: Number of Payments / Yr Select from the dropdown list
g Rate [%]:		Growth Rate Units: Percent / Yr > 0 < 30 < i Rate <= 2 Decimal Places E.g.: 1.00 = 1.00%

i Rate [%]:		Interest Rate Units: Percent / Yr > 0 <= 30 > g Rate <= 2 Decimal Places E.g.: 1.00 = 1.00%
Cmp Frq [#]:		Compounding Frequency Units: Compounding Periods / Yr ∞ = Continuous Compounding Select from the dropdown list

Ordinary Perpetuity

Submit payment and interest rate details to calculate the present value of an ordinary perpetuity; an infinite series of equal and evenly distributed end-of-period payments.

Present Value

Payment [$]:		Payment Units: USD > 0 <= 100K <= 2 Decimal Places
Pmts / Yr [#]:		Payments / Yr Units: Number of Payments / Yr Select from the dropdown list

i Rate [%]:		Interest Rate Units: Percent / Yr > 0 <= 30 <= 2 Decimal Places 1.00 = 1.00%
Cmp Frq [#]:		Compounding Frequency Units: Compounding Periods / Yr ∞ = Continuous Compounding Select from the dropdown list

Growing Ordinary Perpetuity

Submit payment and interest rate details to calculate the present value of a growing ordinary perpetuity; an infinite series of growing and evenly distributed payments.

Present Value

Payment [$]:		Payment Units: USD > 0 <= 100K <= 2 Decimal Places
Pmts / Yr [#]:		Payments / Yr Units: Number of Payments / Yr Select from the dropdown list
g Rate [%]:		Growth Rate Units: Percent / Yr > 0 < 30 < i Rate <= 2 Decimal Places E.g.: 1.00 = 1.00%

i Rate [%]:		Interest Rate Units: Percent / Yr > 0 <= 30 > g Rate <= 2 Decimal Places E.g.: 1.00 = 1.00%
Cmp Frq [#]:		Compounding Frequency Units: Compounding Periods / Yr ∞ = Continuous Compounding Select from the dropdown list

Required Rate of Return

Submit the (1) risk free rate of return, (2) Beta coefficient and (3) expected stock market return to calculate the required rate of return for a given stock.

r_f Rate [%]:		Risk Free Rate Units: Percent > 0 <= 30 < r_m Rate <= 2 Decimal Places
Beta [#]:		Beta Coefficient Units: β Integers Only > 0 <= 10
r_m Rate [%]:		Market Return [%] Units: Percent > 0 <= 100 > r_f Rate <= 2 Decimal Places

Dividend Discount Model

Submit (1) the most recent annual dividend per share, (2) expected dividend growth rate, and (3) the required rate of return to estimate the present value of an infinite series of expected dividends growing at a constant rate.

DPS₀ [$]:		Dividend / Share Units: USD / Yr > 0 <= 1000 <= 2 Decimal Places
g Rate [%]:		DPS₀ Growth Rate Units: Percent > 0 < 150 < k Rate <= 2 Decimal Places

k Rate [%]:		Required Rate of Return Units: Percent > 0 <= 150 > g Rate <= 2 Decimal Places

Free Cash Flow to Equity
Discount Model

Submit the Free Cash Flow to Equity (FCFE) inputs, required rate of return and expected growth rate to estimate the present value of an infinite FCFE per share series growing at a constant rate.

Hint: Apply numeric units consistently; e.g.: millions, billions, etc.

	NET INC₀ [$]
		Net Income (ttm₀) Units: USD > -1000 < 1000 <= 5 Decimal Places
	D&A₀ [$]
		Depreciation and Amortization (ttm₀) Units: USD > -1000 < 1000 <= 5 Decimal Places

FXA_-1 [$]	FXA₀ [$]
		Fixed Assets _{(t_-1 & t₀)} Units: USD > 0 < 1000 <= 5 Decimal Places
BRW_-1 [$]	BRW₀ [$]
		Borrowing _{(t_-1 & t₀)} Units: USD > 0 < 1000 <= 5 Decimal Places
WC_-1 [$]	WC₀ [$]
		Working Capital _{(t_-1 & t₀)} Units: USD > -1000 < 1000 <= 5 Decimal Places
	CSTM₀ [$]
		Custom Units: USD > -1000 > -1000 < 1000 <= 5 Decimal Places

	SHR₀ [#]
		Share Count Units: Shares > 0 < 1000 <= 5 Decimal Places

	g Rate [%]
		FCFE per Shr Growth Rate Units: Percent > 0 < 150 < k Rate <= 2 Decimal Places 1.00 = 1.00%

	k Rate [%]
		Required Rate of Return Units: Percent > 0 <= 150 > g Rate <= 2 Decimal Places 1.00 = 1.00%

Important! This calculator aims to present a generalized approach to a free cash flow discounting method with exceptionally specific requirements. It is very likely a comprehensive FCFE discounting analsysis will take into account inputs and considerations beyond those specified here.

Annualized Return

Submit the purchase and sale details to calculate an annualized return.

Buy Date [D]:		Buy Date Units: YYYY-MM-DD >= 1999-01-01 <= 2024-11-23
Buy Px [$]:		Buy Price Units: USD > 0 <= 100000 <= 2 Decimal Places

Sale Date [D]:		Sale Date Units: YYYY-MM-DD >= 1999-01-01 <= 2024-11-23
Sale Px [$]:		Sale Price Units: USD > 0 <= 100000 <= 2 Decimal Places

TVM Calculators