Calculadora financiera
Valor del dinero en el tiempo, pagos de préstamo y amortización — como una HP-12C en tu navegador.
Try an example
NPV & IRR — Cash flow analysis
Enter an initial investment (period 0, usually negative) followed by expected returns at each future period. Money in is positive, money out is negative.
Depreciation schedule
How an asset's book value falls each year under three standard methods. Choose the method tax/accounting rules require.
How Time Value of Money works
A real financial calculator uses one equation linking five variables. Lock four of them and the fifth has only one possible value:
PV × (1 + i)N + PMT × ((1 + i)N − 1) / i + FV = 0
i is the per-period rate (annual rate ÷ periods per year). N is total periods. The HP-12C, TI BA II Plus, and 10bII all solve the same equation — this calculator does too.
Common scenarios
- Mortgage payment: N = months, PV = loan amount, FV = 0, solve PMT.
- Loan payoff time: Fix PMT, PV, rate, solve N.
- Retirement projection: PV = current savings, PMT = monthly contribution (negative), solve FV.
- Required rate of return: Fix PV, PMT, FV, N, solve I/Y.
- How much to save now: Fix FV (goal), PMT, N, rate, solve PV.
Preguntas frecuentes
¿Qué es el Valor del Dinero en el Tiempo (TVM)?
Es la idea de que un dólar hoy vale más que un dólar mañana porque puede ganar intereses. Cada préstamo, hipoteca y cálculo de ahorro se basa en esto.
Los resultados son solo para fines informativos y no constituyen asesoramiento financiero, médico o legal profesional. Verifica números importantes con un profesional calificado antes de actuar sobre ellos.