Finance Functions (PV/FV/PMT/NPV/IRR)

How to use (3 steps)

Define what you need first: future value, present value, payment, or investment evaluation.
Align rate basis and period (APR/EAR, annual/monthly) with Rate conversion.
Use RATE Solver when rate is unknown and you need to back-solve it from payment, PV, FV, and term.

Solve PV/FV/PMT/NPER/RATE in a single workflow.

Compute IRR for cash flows with non-periodic dates.

Normalize annual, monthly, and daily rates before comparison.

Evaluate cash flows with NPV and IRR together for decision support.

Convert APR/EAR and annual/monthly/daily rates to unify assumptions.

TVM Solver (PV/FV/PMT/NPER/RATE) — Loan & Investment.
Solve PV, FV, PMT, NPER, and RATE in one place. Supports loan/investment modes, APR/EAR output, CSV export.
XIRR Calculator (Irregular Cash Flows) – Paste CSV.
Calculate XIRR from irregular dated cash flows online.
XNPV Calculator (Dated NPV for Irregular Cash Flows).
Calculate XNPV for irregular dated cash flows online.
Simple & Compound Interest, NPV & IRR Calculator.
Compare simple and compound present/future values alongside cash-flow NPV and IRR.
NPV profile chart – sweep discount rates and visualise IRR.
Generate an NPV profile by sweeping discount rates.
Interest Rate Converter (APR, APY/EAR, monthly, daily).
Convert APR to APY/EAR and monthly or daily rates, or run the reverse conversion to compare loans, cards, and savings.
Interest Rate Calculator (RATE) — Solve APR from Payments.
Solve interest rate from loan amount, payments, and term (Excel RATE equivalent).
Loan calculator (monthly payment, interest, payoff).
Calculate monthly loan payment, total interest, and payoff timeline from principal, APR, and term.