Retirement Account Contribution TVM Planner

Compare different monthly contribution levels and their impact on your future retirement savings.

Time Value of Money (TVM) Calculator

Enter any four variables among N, I/Y, PV, PMT and FV, select the unknown variable and payment timing, then click Calculate.

This tool is for learning and estimation only and does not constitute any investment, loan or financial advice.

TVM Input Area

N · Number of Periods

I/Y · Interest Rate per Period (% per period)

PV · Present Value

PMT · Payment per Period

FV · Future Value

Payment Timing

End (ordinary annuity, payment at end of period)Begin (annuity due, payment at beginning of period)

Most loans and bonds use end-of-period payments; some rents and annuities use beginning-of-period payments.

Unknown Variable (to be calculated)

Make sure the other four variables are filled in clearly. Empty fields are treated as unknown.

All cash flows (PV, PMT, FV) currently have the same sign. In TVM problems, usually at least one cash flow should have the opposite sign (one side pay, the other side receive).

Result

After filling in four variables and selecting the unknown variable, click "Calculate" to see the result here.

Sign convention: Positive numbers usually represent cash inflow (receive), and negative numbers represent cash outflow (pay). For example, taking out a loan: PV is positive (receive money), PMT is negative (repay each period).

This tool is implemented purely in the browser and does not store any data. All calculations are for teaching/learning and estimation only and do not constitute any investment or lending recommendation.

401(k) Contribution Optimization Calculator

See how increasing your 401(k) contribution rate by a few percentage points can significantly boost your retirement balance over time.

Related Tools

Time & Timestamp Tool

Popular

Provides current time, Unix timestamp, millisecond time, time unit conversion and time formatting functions to help users quickly complete various time-related calculations and conversions

Use Now

BA II Plus Financial Calculator

Popular

Professional financial calculation tool supporting TVM, NPV, IRR and more

Use Now

Match Game

Popular

Simple and elegant match puzzle game with multiple difficulty levels, challenge your observation and reaction speed

Use Now

2048 Game

Popular

Classic 2048 number merging game with undo function, challenge your logical thinking and strategic planning skills

Use Now

Gem Match

Popular

Classic Match-3 elimination game with chain elimination and combo bonuses, minimalist beautiful interface design, smooth animation effects

Use Now

Sudoku

Popular

Classic Sudoku puzzle game with multiple sizes and difficulty levels, includes hints, validation, undo and other functions, challenge your logical thinking ability

Use Now