Planit:Present and Future Values

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This calculator allows you to identify the missing variable in a calculation of the present and/or future value of a single deposit or a series of periodic deposits. To identify a missing variable, merely click on the "Calculate" button on the corresponding line that you wish to calculate and that value will be calculated for you.

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Annuity Type: Simple Annuity assumes payment at the beginning of the period, an Annuity Due is at the end of the period. For a Single Deposit, you'll be able to identify a single deposit made today.

Periodic Payment: Is the amount of money that will be saved or received each period. This field is excluded when illustrating a Single Deposit.

Frequency: Is how often the periodic payments are made, monthly, quarterly, semi-annually or annually. The compounding period is the same as the payment frequency. This field is excluded when illustrating a Single Deposit.

Number of Payments: Is the number of months or years that payments will be received. If you are dealing with a monthly payment for 5 years, that would be 60 payments. When selecting a Single Deposit, this field identifies the period of time that this deposit is to be invested for (in years).

% Interest/Year: Is the annual interest factor.

Index Payments/Year: You can index your savings to inflation; merely identify the inflation rate you would like to use. This will cause the calculator to increase the payment each period. This field is excluded when illustrating a Single Deposit.

Present Values: This is the amount of money you would have to have in the bank today to equal the future value at the end of your savings period, given all of the variables you have entered.

Future Value: This is the amount of money you will have at the end of your savings period given all of the variables you have entered. The Schedule button will display your results on the screen.

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