Financial Calculator: TVM Pro

Financial Calculator: TVM Pro turns user-entered TVM variables, loan terms and periodic cash flows into an inspectable local calculation trail.

GUIDED TIME VALUE OF MONEY

Solve one missing value among periods, annual rate, present value, payment and future value. Choose beginning or end timing, payment frequency and compounding frequency without memorizing calculator key sequences.

COMPLETE LOAN SCHEDULES

Build a dated fixed-rate schedule from principal, annual rate, term and first payment date. Inspect every payment, principal amount, interest amount and remaining balance. Model an illustrative extra payment or balloon revision and compare its exact payoff path.

CASH-FLOW ANALYSIS

Enter periodic inflows and outflows to calculate NPV and IRR. Multiple sign changes are identified before an IRR is shown, so an unusual cash-flow sequence is not silently reduced to one apparently decisive number. MIRR is available with explicit finance and reinvestment assumptions.

SCENARIO BOOKS AND REVISIONS

Keep financing work organized in local books. Save dated input revisions, reopen the exact assumptions and compare two revisions side by side. Deltas are neutral calculations, not green or red recommendations.

AUDIT-READY REPORTS

Preview a report sheet built from the immutable calculation snapshot. Reports include entered assumptions, units, sign convention, formula keys, engine version, warnings, revision identifiers and the complete schedule or cash-flow rows. Print, save PDF or export CSV using local device actions.

PRIVATE AND OFFLINE

No account, bank connection, live rate feed, advertising or remote analytics is required. Scenario books stay on the device. Backup and restore use a user-selected local JSON file and validate the archive before replacing current data.

DISPLAY WITHOUT CONVERSION

Choose number, date and currency display preferences. Currency is a display code or symbol only; the app performs no currency conversion and does not retrieve exchange or interest rates.

The included Review Sample: Equipment Loan is clearly labelled illustrative. Calculations are estimates from inputs supplied by the user and are not financial, investment, tax, credit or lending advice.

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