How to use
- Choose the unknown variable, then enter the known TVM inputs.
- Set mode (loan/investment), payment timing, and periods per year.
- Review the main result, APR/EAR, and timeline. Export CSV or copy the URL.
Inputs
Result
Input summary
Cash-flow timeline
FAQ
Why can RATE fail to converge?
Some input combinations have no real solution, or the initial guess is too far. Adjust inputs and try again.
What is the difference between APR and EAR?
APR is nominal annual rate, while EAR includes compounding effects. EAR is better for true annual comparison.
How should signs be entered in investment mode?
Enter positive amounts in normal use. The calculator adjusts sign conventions internally based on mode.