General Financial Calculator
An all-round finance tool: calculate TVM, NPV, IRR and other financial operations.
Tip: NPV > 0 means the investment creates value — the higher the NPV, the better the investment compared with the alternatives.
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About this digital tool
The general financial calculator brings together the main finance tools in one place: the time value of money (TVM), net present value (NPV), internal rate of return (IRR) and payback period. Choose the operation, enter the cash flows and the rate, and the tool gives the result. It is useful when you need to solve for an unknown variable, such as the payment, rate, time or future value.
It is used for investment decisions, comparing projects, loans and savings planning, by students, entrepreneurs and anyone who wants to understand a financial offer. A positive NPV suggests the investment creates value, but the assessment depends on the discount rate and the forecasts. The result is an estimate and does not constitute investment advice.
How to use
- Choose the function (TVM, NPV, IRR, Payback)
- Enter the parameters (flows, rate, period)
- For NPV: enter the flows for each period
- For IRR: enter the initial investment and the flows
- See the result and the interpretation
Frequently asked questions
What is TVM (Time Value of Money)?
The principle that €1 today is worth more than €1 tomorrow, because it can be invested and earn interest. FV = PV × (1+r)ⁿ. It is the basis of every financial decision.
What is NPV?
Net Present Value = Present value of future flows - Initial investment. NPV > 0: the investment is worth it. NPV < 0: don't invest. NPV = 0: indifferent.
What is IRR?
Internal Rate of Return = the discount rate that makes NPV = 0. It is the real annual return of the investment. Compare IRR with the minimum acceptable rate (hurdle rate).
Which financial tool should I use for an investment decision?
Start with NPV to see whether the project creates value, then IRR for the annual return and the payback period for liquidity risk. Together they give a fuller picture.