Tools Hub

Planificador de Meta de Millonario

Usa el valor del dinero en el tiempo para proyectar cuándo alcanzarás la cifra mágica de un millón.

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.

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.

Calculadora de Millonario: ¿Cuánto falta para tu primer millón?

Calcula cuánto tiempo necesitas para llegar a un millón con el poder del interés compuesto. Ajusta tus ahorros mensuales y observa cómo crece tu patrimonio.