END-mode TVM · same math as the BA II Plus / HP 12C · education reference
Finance calculators that show the work
Enter any four of N, I/Y, PV, PMT, FV and solve the fifth — or run the whole corporate-finance toolkit: NPV, IRR, MIRR, payback, CAGR, bond price and yield, WACC, break-even, and effective rates. Every result comes with the table behind it. No signup, nothing uploaded.
Solve for
Money out is negative (e.g. -1000)
solved below ↓
Solved FV
$113,283.21
value at the end of period N
| Register | Value | Meaning |
|---|---|---|
| N — periods | 30.00 | number of periods |
| I/Y — rate % | 8.0000% | per period, 8 means 8% |
| PV — present | $0.00 | lump sum today |
| PMT — payment | -$1,000.00 | each period, end |
| FV — future | $113,283.21 | lump sum at the end |
Sign check: money you pay out is negative, money you receive is positive. A deposit stream (PMT negative) earns a positive FV; a loan you receive (PV positive) pays back negative PMTs. Need the payment instead of a lump sum? The NPV calculator works on whole cash flow streams.
END mode (ordinary annuity) — payments at the end of each period, same default as the BA II Plus and HP 12C. Educational reference, not investment advice.
All 13 calculators
Two families: time value & rates, and capital budgeting — each with a worked example you can retype.
TVM & rate calculators
View family →TVM Calculator
Enter any four of N, I/Y, PV, PMT, and FV — the calculator solves the fifth using the same END-mode TVM math as the BA II Plus.
CAGR Calculator
Start value, end value, years — get the compound annual growth rate and the year-by-year path it implies.
Bond Yield Calculator
Enter a bond's price and coupon — get the yield to maturity, solved numerically, plus current yield and the premium/discount read.
Bond Price Calculator
Face value, coupon, years, yield → the bond's price, with the premium/discount verdict and current yield.
EAR Calculator
Nominal rate plus compounding frequency in — effective annual rate (APY) out, with the full frequency table from annual to continuous.
BA II Plus Calculator (Simulator)
A simplified on-screen BA II Plus: the N / I/Y / PV / PMT / FV registers, CPT, and the same TVM engine — for learning the keystrokes, not for exam day.
HP 12C Calculator (Simulator)
The HP 12C's TVM math online: RPN explained, the n / i / PV / PMT / FV registers, and one-keystroke solving — press the unknown's key, no CPT.
Capital budgeting calculators
View family →NPV Calculator
Paste a cash flow stream and a discount rate — get net present value plus the discounted table that shows where the value comes from.
IRR Calculator
Enter a cash flow stream — get the internal rate of return (plus NPV, MIRR, and payback) with the numerical solve done for you.
MIRR Calculator
Modified internal rate of return: reinvests inflows at a rate you choose instead of the IRR — the conservative fix for IRR's optimism.
Payback Period Calculator
How fast does the project pay for itself? Simple and discounted payback from any cash flow stream, with linear interpolation inside the year.
WACC Calculator
Equity and debt values with their costs and the tax rate — get the weighted average cost of capital and the after-tax debt rate.
Break-Even Calculator
Fixed costs, price per unit, variable cost per unit — get break-even units, break-even revenue, and the profit at any volume.
Guides
TVM 5 Keys Explained
What N, I/Y, PV, PMT, and FV each mean, the sign convention that decides right vs wrong answers, and the monthly-conversion trick.
NPV vs IRR
Same cash flows, two verdicts: when NPV and IRR agree, when they fight, and which one wins the argument.
BA II Plus vs HP 12C
The two CFA-allowed calculators compared: keystrokes for the same problem, algebraic vs RPN, and which one fits you.
How to Calculate IRR by Hand
Trial, error, and interpolation: find IRR with a spreadsheet-free pencil method, and know exactly how far off it lands.
CFA Exam Calculator Policy
Which calculators are allowed in the CFA exams, what the proctors check, and how to practice within the rules.
What this site does — and what it does not
It does
- Run the standard END-mode TVM, NPV/IRR/MIRR, bond, WACC, and break-even formulas — and show the tables behind each answer.
- Solve rates numerically (grid scan + bisection), exactly like your handheld financial calculator.
- Keep every calculation in your browser; nothing you type is stored or sent.
It does not
- Give investment, tax, or accounting advice — these are educational references built on textbook formulas.
- Replace the approved physical calculator in proctored exams — the simulators here are practice tools only.
- Know your situation — discount rates, risk, and taxes are inputs and judgments this site cannot make for you.