TVM Calculator — Time Value of Money (HP 12C / TI BA II+ Compatible)
Professional-grade TVM solver matching the HP 12C and TI BA II+ financial calculators. Free online calculator with formula guide and step-by-step results.
TVM Finance Calculator
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Calculation Mode
Ordinary Annuity · TVM formula
Total of Payments
$89,932.80
Total Interest Earned
▼ -$107,297.17
Growth from Lump Sum Only (no PMT)
▲ $87,212.54
Scenario Comparison
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Balance Growth Over 60 Period
Over 60 periods, 168.8% of the final balance comes from returns — not the original investment or payments.
Variable Magnitudes
Solved Variable
Future Value (FV): $232,635.63
Ordinary Annuity · TVM formula
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