金融電卓
貨幣の時間価値、ローン返済、償却スケジュール — ブラウザ版 HP-12C。
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.
よくある質問
貨幣の時間価値とは?
今日の1円は明日の1円より価値が高いという考え方。利息を生む可能性があるためです。
結果は情報提供のみを目的とし、専門的な金融・医療・法律上の助言ではありません。重要な数値については、行動する前に必ず資格のある専門家にご確認ください。