金融计算器

货币时间价值、贷款付款和摊销 —— 浏览器中的 HP-12C。

Try an example

Fill in four of the five variables, pick the fifth to Solve for, then press Calculate. Sign convention: money you receive is positive; money you pay is negative.

Solve N — total periods e.g. 360 = 30 years monthly

Solve I/Y — annual rate (%) Enter APR, not period rate

Solve PV — present value

Loan amount, today's value

Solve PMT — payment per period

Negative if you're paying

Solve FV — future value

Balloon, savings goal, or 0

Periods/yr Timing

PMT

—

Show amortization schedule

Total paid: —

Total interest: —

#	Payment	Interest	Principal	Balance

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.

常见问题

什么是货币时间价值?

今天的钱比明天的钱更有价值,因为它可以产生利息。

结果仅供参考,不构成专业的财务、医疗或法律建议。在采取行动前,请向合资格的专业人士核实重要数据。

Compound Interest Calculator

Project savings growth with compound interest and contributions.

Hourly to Salary Calculator

Convert an hourly wage to a yearly, monthly, weekly, and daily salary.

折扣计算器

根据折扣百分比求出特价和节省金额。