TVM Options Calculation Option? - Select -Present ValueFuture ValuePayment NeededAnnual RatePeriods (Months) Compounding Frequency? - Select -DailyMonthlyQuarterlySemi-AnnuallyAnnually Payment Timing? - Select -BeginningEnd TVM Inputs Present value? $ Future Value? $ Additional monthly payment? $ Annual rate of return? % Evaluation period (months)? Printer-friendly version The Time Value of Money Present Value Monthly Payment Rate of Return Evaluation Period Future Value Chart Table The Time Value of Money Loan Costs Present Value Future Value Total Principal Total Interest Total Value Submit The Time Value of Money is a financial concept that reflects the idea that money available today is worth more than the same amount in the future due to its earning potential. This principle underpins calculations for investments, loans, and savings, helping individuals and businesses evaluate options like present value, future value, interest rates, and payment schedules to make informed financial decisions.