Online Financial Calculator

Solve n, i, PV, PMT, FV, NPV, and IRR in an educational online financial calculator with shareable links and sign guidance.

How to use an online financial calculator

Choose TVM or cash flows. In TVM, select the variable to solve and fill the rest using the same period unit.

For cash flows, place the investment or initial outflow in period 0 and subsequent receipts or payments in order.

What n, i, PV, PMT, and FV mean

n is the number of periods, i is the rate per period, PV is present value, PMT is periodic payment, and FV is future value.

How to use positive and negative signs

Financial math uses signs to separate inflows and outflows. For example, a loan received can be positive and the payments negative.

NPV and IRR for periodic cash flows

NPV brings future flows to period 0 using the discount rate. IRR is the periodic rate that makes NPV close to zero.

Generic financial calculator, not a physical emulator

This page covers common financial-calculator formulas without copying a physical calculator layout, brand, firmware, keys, or behavior.

Formula sources

This version's formulas were checked against public PMT, PV, NPV, and IRR references on 2026-06-25.

PMT functionNPV functionIRR function

Related calculators

Use specific tools when the problem needs amortization, return, or dedicated cash-flow modeling.

IRR calculatorCompound interestFinancingFixed income

Important notice

Educational financial-math tool. Not affiliated with HP, Hewlett-Packard, or calculator manufacturers. Not financial, credit, or investment advice.

Frequently asked questions

Is this an official HP 12C?
No. It is a generic online financial calculator with no affiliation, endorsement, logo, physical layout, or firmware emulation.
Can I use it instead of a physical financial calculator?
You can check common TVM, NPV, and IRR formulas, but results may differ from physical calculators, spreadsheets, or banks due to rounding and conventions.
Why do some values need to be negative?
Opposite signs represent opposite cash directions. Without them, some equations have no useful financial solution.
Is the rate monthly or annual?
The rate is always per period. If n is in months, i must be monthly; if n is in years, i must be annual.
Why might IRR not appear?
IRR requires at least one positive and one negative flow and may not converge, especially for non-conventional flows.
What is the difference between NPV and IRR?
NPV shows money value discounted by the chosen rate. IRR shows the rate that would make NPV close to zero.