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Tvm financial calculator

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The powerful concept of time value of money reflects the simple fact that humans have a time preference: given identical gains, they would rather take them now rather than later. This stems both from the ability to spend the money immediately almost certain benefit versus the uncertainty related to spending them in 5 years, eventually. Similarly, if you invest the money or put it in a bank deposit they can earn you interest during these 5 years: something you would not be able to do otherwise.

Time-related opportunity costs are the reason the concept of time value of money is key in managing personal or business finances. Time preference is the reason for interest rates to exist: they are in fact the "price" paid for using money in a given period of time. It compensates the depositor or lender for their opportunity cost. Consequently, interest rates are low when the perceived opportunity cost is low and high if they are high.

Similarly, investors inform their decisions on whether to pass or get in a certain venture by calculating the expected return increase in value of their capital versus alternative investments. The calculation of time value of money TVM depends on the following inputs: present value PV , future value FV , the value of the individual payments in each compounding period A , the number of periods n , the interest rate r.

You can use the following two formulas to calculate present value and future value without periodical payments:. Calculating the amount of the periodical payment required is a simple analytical transformation handled by the TVM solver automatically. Calculating the number of periods or the interest rate however is not trivial as there is no analytical solution. It must therefore be done through successive approximation until a reasonably accurate value is pinpointed.

Our time value of money calculator can easily do this for you. Making better wealth management decisions can become a bit easier with the help of our online TVM solver. Using the formulas above and their relevant transformations, the solver can calculate:.

Additionally, more complex formulas can include a growing instead of fixed periodical payment g , but this is not supported in the TVM calculator at the present. This is a simple online tool which is a good starting point in estimating different quantities related to an investment or credit, but is by no means the end of such a process. You should always consult a qualified professional when making important financial decisions and long-term agreements, such as long-term bank deposits.

Use the information provided by the solver critically and at your own risk. If you'd like to cite this online calculator resource and information as provided on the page, you can use the following citation: Georgiev G. Calculators Converters Randomizers Articles Search. When it comes to your financial future, this opportunity cost calculator is probably the most important online calculator you will ever run across. In fact, ignoring the concepts brought to light in this calculator could end up costing you a vast fortune in potential future wealth!

Specifically, this calculator will calculate the time and financial opportunity costs of buying and owning goods for which the value declines with time and use, and which often come with one or many ongoing costs of ownership. These goods are often referred to as depreciable or depreciating assets.

The calculator will also translate the monetary opportunity costs into the opportunity cost of time, as in, how many hours could you take take off from work at some point in future if you invested the cost of buying and owning instead of repeatedly buying and owning new versions of the same asset. If you are interested in calculating opportunity costs for purchases for which the value lasts less than one year, and that do not come with ongoing ownership costs, please visit the TVM for Consumables Calculator -- which also includes the answer to "What is Time Value of Money?

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record.

If no data record is selected, or you have no entries stored for this calculator, the line will display "None". Enter the annual interest rate you expect to earn on your investments. Please enter as a percentage, but without the percent sign for.

Enter your current hourly wage the money value of your time , but without the dollar sign or any commas. If you earn an annual salary you can expand the description to display a calculator that will help you to estimate your hourly wage.

Enter the number of years to calculate time value of money for. This could either be an arbitrary number of years or it could be the number of years till a significant date is reached child reaches college age, your retirement age, etc. Enter the name of the depreciable asset you are calculating opportunity costs for. For our purposes, a depreciable asset is considered to be an asset that maintains a portion of its value for more than 1 year, and may include ongoing costs of ownership energy, insurance, storage, maintenance, repairs, depreciation, etc.

Enter the number of years you plan to own the asset. This could also be the number of years you expect the asset to last useful life. Note that even though a depreciable asset may have a long life span, the technology it is based on may become obsolete much sooner than you expect. Enter the base price of the depreciable asset, but without the dollar sign and any commas. This should include the cost of all added options and features, but not the cost of financing -- which will be addressed in the Finance Variables section.

Enter the amount, if any, you expect to be able to sell the asset for after owning it for the number of years you entered. Enter as a dollar amount but without the dollar sign and any commas. This reduction in value during the ownership period is referred to as depreciation.

The calculator will divide the total depreciation by the years of ownership in order to arrive at the annual cost of depreciation. In reality, most assets depreciate at a much faster rate in the early years of ownership as compared to the later years of ownership. This is why buying a new version of depreciable asset every one or two years will cost you a fortune in depreciation costs when compared to buying a new version every 10 years. If sales tax will be charged on the base price of the asset, enter the percentage here, but without the percent sign for.

The calculator will calculate the sales tax dollar amount by multiplying the entered sales tax percentage by the base price entered earlier. Enter the total of any miscellaneous fees and charges that would be considered useless if purchased without the asset. Enter without the dollar sign and any commas. Note that this total will not be included in the sales tax calculation. This is the calculated total of the base price, the sales tax, and the miscellaneous purchase costs. If you are paying cash for this asset, enter the same amount as is calculated in the Total purchase costs field.

Entering an amount less than that will tell the time value money calculator to finance the difference. In either case, enter as a dollar amount but without the dollar sign and any commas. This the calculated difference between the total purchase costs and the cash payment amount. If the two are equal you are paying cash for the asset , you can skip this section and move on to the next.

Enter the annual percentage interest rate you will be paying on the financed portion of the purchase. Enter as a percentage but without the percent sign. Enter the number monthly payments you will make before the financed portion of the purchase is paid off. Enter the total of any loan costs that serve to increase the amount to finance, but that would be worthless without the asset origination fees, etc.

Note that these will not be rolled into the loan amount for calculating payments, but will be included in the average annual loan costs. This is the calculated monthly payment derived from the amount to finance, the finance rate, and the number of monthly payments. The calculator will use this result to calculate the interest cost for the ownership period, and to determine if you will have the balance paid off by the time you are ready to sell or discard the asset. This is the calculated balance owed as of the end of ownership period, if any portion of the purchase was financed.

This is the difference between the entered salvage value and the calculated remaining balance of the loan at the end of the ownership term. If the result is negative it means you will owe that much more than the asset is worth at the time you are ready to sell. This is otherwise known as being upside down in the loan.

If the number is positive it means that this is how much will be left after paying off the balance owed from the proceeds of selling the asset. This is the calculated total of the interest paid during the number of years you plan to own the asset. If this asset will require energy to operate gasoline, fuel oil, electricity, propane, etc , tap the button on this row to open a form for entering the annual energy cost.

If you expect to insure the asset against loss or being sued, tap the button in this row to open a form for entering the annual insurance cost. If the asset will be included in an existing umbrella-type policy, enter the amount of the premium you believe represents the portion attributable to the asset. If you are or will be renting a storage facility to house this asset, tap the button in this row to open a form for entering the portion of the rental fee that is attributable to the asset.

Technically, all physical assets have a storage expense. Therefore, if this asset will take up space, I encourage you to enter an estimate, no matter how small. This is the periodic amount you should be setting aside in an asset repair and maintenance account -- along with all of the periodic amounts to cover all of your existing depreciable assets.

Everything that can break most likely will. But as long as you prepare for these expected events, the thing that breaks will not be your budget. If this asset requires a periodic purchase of a license or permit, tap the button in this row to open a form for entering the annual license and permit costs.

If this depreciable asset is a building, tap the button in this row to open a form for entering the property tax amount attributable to the asset. While most people do not consider buildings to be depreciable assets, unless they are made of an indestructible alloy, father time will see to it that they will eventually need to be replaced.

Sure, your property as a whole may increase in value or may drop in value , but all buildings come with ongoing costs of ownership which serve to nullify any appreciation in property values that may occur plus, property value increases also result in higher taxes. This is the average annual cost of sales tax and miscellaneous purchase costs over the course of the ownership period.

This is the average annual cost of interest charges and loan costs over the course of the ownership period. Based on your entries, this is how much you will spend to own this depreciable asset for the number of years you plan to own it. Based on your entries, this is how much you will spend to own this depreciable asset for the number of years you plan to repeat the buying and selling of this type of asset.

If you spend the annual average cost to own the asset instead of investing that amount, this is how much interest earnings you will lose over the course of the number of years you expect to repeat this buying scenario. Based on your entries, this is the minimum financial opportunity cost of choosing to spend money to own this depreciable asset instead of choosing to invest the money.

Please note that if you have high interest debt that could be reduced or paid off with money saved by eliminating this depreciable asset from your buying habits, then the financial opportunity cost of repeating this buying scenario is actually much greater than the minimum displayed. Based on your entries, this is the total number of hours you could take off from work if you invested the cost of buying and owning the depreciable -- after the entered number of opportunity cost years have passed.

So if there is something you would rather do with the time you spend at work, then the financial opportunity costs would futher lead to personal opportunity costs good times lost. If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button.

To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need. For our purposes, the term value refers to resale value , as in, how much money will a buyer be willing to pay for the asset at a given point in time.

In my experience the typical consumer only uses two factors when deciding whether or not to purchase a depreciable asset. In either case, using only these one or two factors to decide on whether or not to buy a depreciable asset is comparable to a shift taking place between two plates on the ocean floor of your financial future.

The wave the poor decision creates may appear small while it's still far from your future, but when the tsunami arrives on the shore of your financial future it may arrive with such destructive force that no amount of your potential wealth will be left standing. What most people fail to realize when considering the purchase of a depreciable asset, is that the amount printed on the asset's price tag often represents only a small fraction of eventual cost to their potential future wealth.

First, in addition to the amount printed on price tag, the mere act of buying a depreciable asset often inflates the cost. I call these point-of-sale increases, "Purchase Costs. And speaking of purchase costs, here's something to gnaw on. What use would these purchase costs serve if purchased without the asset? Second, in addition to the base price and purchase costs, many depreciable assets come with one or more ongoing ownership costs. These ongoing ownership costs include expenses such as:.

But wait, even if you were to take the time to calculate the total cost of buying and owning a depreciable asset such as an automobile , for as much as the total cost might shock you, it's still just a small wave in the ocean of your financial future. Throughout this website I've been like Paul Revere riding my web-horse through the streets while screaming, "The opportunity costs are coming!

The opportunity costs are coming! But that only covers 5-years of your need for an automobile. What about the rest of the time you will need a vehicle? But wait! Shut the door! And remember, that's only one example of one depreciable asset! Imagine what the opportunity costs will add up to for all of the depreciable assets you will buy and own during the course of your lifetime.

Can you now see the ever-growing size of the wave that's bearing down on your financial future? Sure, you may not be able to get by without owning a car, but if you play around with the time value money calculator you will see that even small reductions in price, purchase and ownership costs for large-ticket assets can add up to tens of thousands of dollars in reduced opportunity costs over the long term. In effect, this means that the time you spend researching the best deal for an essential, large-ticket depreciable asset can translate into an hourly wage equaling hundreds of dollars a penny saved is a penny earned.

Referring back to the car buying example, I can virtually guarantee you that your friendly neighborhood car salesman -- you know, the one that claims to care about you so much -- will never point out the true cost of buying and owning what he is selling you.

But not because he is intentionally withholding this sales-killing information just to make the sale, but because he's likely not aware of these costs himself. You see, what's even more shocking than the size of the powerful opportunity cost tsunami that's bearing down on the financial futures of the majority of consumers is the fact that most of us managed to go through years of public education without ever hearing the term "opportunity cost. I guess you could say that the failure of our k educational system to teach us the concept of "opportunity cost" left most of us to go through life walking around with our heads up our assets.

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view. Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower.

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TVM Calculations using BAII Plus Financial Calculator

TVM Calculator ; Mode, End Beginning ; Present Value ; Payments ; Future Value ; Annual Rate (%). Overview of TVM financial calculator. This is a advanced financial calculator for undergraduate finance majors, MBA students, finance professionals and. Free online finance calculator to find the future value (FV), compounding periods (N), interest rate (I/Y), periodic payment (PMT), and present value (PV).