Loan Cost vs Credit Score TVM Calculator
Model two interest rates over the same term to quantify savings from improving your credit score.
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
Payment Timing
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.
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.
Credit Score Interest Impact Calculator
Compare total interest paid on the same loan amount at different interest rates to see the real cost of having a lower credit score.
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