HomeCalculatorsTime Value of Money (TVM)

Time Value of Money (TVM)

Calculate investment growth, SIP returns, loan EMIs, and financial goals using time value of money principles.

TVMTVM SIPSIP Step-up SIPStep-up Goal PlannerGoal EPFEPF RetirementRetirement Retirement + GoalsRetirement

Initial Investment (PV)

₹

Money invested today (Lump sum)

Regular Investment (PMT)

₹

Amount invested periodically (SIP/EMI)

Expected Rate (%)

Time Period

Target / Final Value (FV)

₹

Value at the end of period

Settings

Compounding

Payment Timing

End (Ordinary)

Beginning

Calculate

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About TVM

Time Value of Money (TVM) is the concept that money available today is worth more than the same amount in the future due to its potential earning capacity.

PV (Present Value): Lump sum invested today.

PMT (Payment): Regular monthly investment (SIP) or EMI.

FV (Future Value): Target corpus or final maturity amount.

Rate: Annual expected return or interest rate.