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投資開始タイミング比較シミュレーター

時間を味方につける重要性を数値で確認できます。

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.

投資開始を遅らせた場合のコスト計算機

今すぐ始める場合と数年後に始める場合で、同じ終了時点の資産額がどれだけ変わるかをシミュレーションします。