πŸ’°Time Value of Money & Digital Assets Calculator

Master financial decisions with traditional and digital assets. Calculate present value, future value, payments, and returns for USD, Bitcoin, Ethereum, and major cryptocurrencies.

Choose Your Experience Level

πŸ€” What Is Time Value of Money?

A dollar today is worth more than a dollar tomorrow! Time Value of Money (TVM) helps you understand how money grows over time through interest and investment returns.

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Mortgage Planning
Calculate monthly payments and total cost
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Retirement Savings
Plan your financial future with compound growth
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Investment Analysis
Compare returns across traditional and crypto assets
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Loan Comparison
Find the best loan terms and rates
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College Fund
Save for education with growth projections
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NPV Analysis
Evaluate business projects and investments

5-Key Time Value of Money Calculator with Digital Assets

Enter any 4 values and solve for the 5th. Works with traditional currency and major cryptocurrencies including Bitcoin, Ethereum, and more.

USD ($)
Bitcoin (BTC)
Ethereum (ETH)
Solana (SOL)
WIA (WIA)
XRP (XRP)
Present Value (PV)
Future Value (FV)
Payment (PMT)
Interest Rate (I/Y)
Periods (N)
Traditional assets: 3-12%, Crypto: 5-30%
Ordinary Annuity (End)
Annuity Due (Begin)

Loan Payment Calculator

Calculate monthly payments, total interest, and amortization schedules for mortgages, auto loans, and personal loans.

Annuity Value Calculator

Calculate present and future values of ordinary annuities and annuities due. Perfect for retirement planning and investment analysis.

Investment Analysis Calculator

Compare investment options by calculating returns, required rates, and break-even points. Ideal for investment decision-making.

Net Present Value Analysis

Evaluate project profitability by calculating NPV and IRR. Enter cash flows for comprehensive investment analysis.

Enter positive values for cash inflows, negative for outflows

Quick Start Scenarios

30-Year Mortgage
$300K loan at 6.5% for 30 years
Retirement Planning
$1K monthly for 25 years at 8%
College Fund
$25K today grows to $100K in 18 years
Auto Loan
$40K car loan at 5.5% for 5 years
Bitcoin Investment
1 BTC grows at 15% for 5 years
Ethereum DCA
0.1 ETH monthly for 3 years at 20%
WIA Investment
1000 WIA + 100 monthly for 10 years