TVM Loan & Savings Calculator

You're making a smart choice by taking time to understand your money. Thank you for using TVM to plan ahead. This update brings clearer results and easier ways to review your plans. Clearer loan and savings results - Payments follow your chosen direction, adding deposits and subtracting withdrawals. - Debt payoff and savings timelines reflect the cash flows you enter. - Negative present values and future balances keep their signs in the results. - Investment losses appear as negative growth or interest, rather than looking like zero growth. - Withdrawal scenarios show balances without misleading contribution totals. - Savings goals that require a withdrawal show that payment direction clearly. - Invalid numbers and impossible timelines give you a clear prompt to check your inputs. - Use currency amounts, percentages or scientific notation in your inputs. More useful financial charts - Follow projected balances, contributions, interest effects and repayment timelines. - Compare the effect of changing a rate, contribution or savings buffer. - Compare rates, durations and spending amounts in different units. - Loan projections use the calculated payment direction to follow the planned repayment. - Explore negative rates alongside your current rate in comparisons. - Review detailed statistics for scenarios, tracked plans and spending snapshots. - Scroll through longer charts with readable dates, axis labels and titles. - Charts stay available on Free. Projections use your assumptions; saved comparisons show observed patterns. An easier path through your records - Find calculators in Workflows, plans in Scenarios, saved results in History and extra tools in More. - Recalculate a saved item without creating another copy or changing its original saved date. - Find Spreadsheet, Import and Export, habits and settings in More. - On iPad, switching More destinations clears the previous detail screen. - Deleting one record keeps a different record you have selected open. - Leave a new record without being sent back to its editor when saving finishes. - A new draft stays saved even if you choose to finish editing later. - Search and keep scrolling to browse more records automatically. - Use clearer field labels and Done to finish entering your figures. - Enter negative values where a calculation calls for them. - Edit debt figures with fewer interruptions while you type. More dependable backups and transfers - Import or export a selected record category in CSV or JSON. - Matching records and repeated entries are skipped during import. - Your selected import category stays with the file you chose. - Saved records and exported files show consistent amounts. - Move up to 10,000 records per category and import JSON files up to 100 MB. - Preview up to 250 lines for comfortable browsing. Save to File or sharing keeps the complete included export. Review habits and Apple Watch - Choose from ten optional reviews covering spending, payments, goals, retirement, assumptions and calculator learning. - Follow weekly progress, review points, five levels and ten badges. - Keep habit rewards inside the app, without outside reminders. - Use seven Apple Watch calculators independently of your iPhone plan. - Results come into view after Calculate, and calculation or save errors are easier to find. - Edit, save and share calculations from watch history.