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	<title>TVM Calculator &#8211; Daily Tools</title>
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		<title>TM Calculator</title>
		<link>https://tools.iecomm.net/2024/10/17/tm-calculator/</link>
					<comments>https://tools.iecomm.net/2024/10/17/tm-calculator/#respond</comments>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Thu, 17 Oct 2024 07:38:01 +0000</pubDate>
				<category><![CDATA[Financial Tools]]></category>
		<category><![CDATA[TVM Calculator]]></category>
		<guid isPermaLink="false">https://tools.iecomm.net/?p=27</guid>

					<description><![CDATA[Advanced TVM Calculator Advanced TVM Calculator Present Value (PV): Future Value (FV): Annual Interest Rate (%): Number of Periods (years): Payment (PMT): Compounding Frequency: SelectMonthlyQuarterlyYearly Calculate]]></description>
										<content:encoded><![CDATA[
<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Advanced TVM Calculator</title>
    <style>
        body {
            font-family: Arial, sans-serif;
            background-color: #f4f4f4;
            margin: 0;
            padding: 0;
        }
        .container {
            width: 350px;
            margin: 50px auto;
            padding: 20px;
            background: white;
            border-radius: 8px;
            box-shadow: 0 0 10px rgba(0,0,0,0.1);
        }
        input, label, button, select {
            display: block;
            width: 100%;
            margin-bottom: 10px;
        }
        button {
            background-color: #5cb85c;
            color: white;
            border: none;
            padding: 10px;
            cursor: pointer;
        }
        .error {
            color: red;
        }
    </style>
    <script src="https://cdn.jsdelivr.net/npm/chart.js"></script>
</head>
<body>

<div class="container">
    <h2>Advanced TVM Calculator</h2>
    
    <label for="pv">Present Value (PV):</label>
    <input type="number" id="pv" placeholder="Enter PV" />
    
    <label for="fv">Future Value (FV):</label>
    <input type="number" id="fv" placeholder="Enter FV (leave blank if calculating)" />
    
    <label for="rate">Annual Interest Rate (%):</label>
    <input type="number" id="rate" placeholder="Enter Interest Rate" />
    
    <label for="n">Number of Periods (years):</label>
    <input type="number" id="n" placeholder="Enter Number of Years" />
    
    <label for="pmt">Payment (PMT):</label>
    <input type="number" id="pmt" placeholder="Enter PMT (if applicable)" />

    <label for="compounding">Compounding Frequency:</label>
    <select id="compounding">
        <option value="">Select</option>
        <option value="12">Monthly</option>
        <option value="4">Quarterly</option>
        <option value="1">Yearly</option>
    </select>
    
    <button onclick="calculateTVM1()">Calculate</button>

    <h3 id="result"></h3>
    <div id="error" class="error"></div>
    
    <canvas id="tvmChart" style="max-width: 100%;"></canvas>
</div>

<script>
function calculateTVM1() {
    let pv = parseFloat(document.getElementById('pv').value) || 0;
    let fv = parseFloat(document.getElementById('fv').value) || 0;
    let rate = parseFloat(document.getElementById('rate').value) / 100 || 0;
    let n = parseInt(document.getElementById('n').value) || 0;
    let pmt = parseFloat(document.getElementById('pmt').value) || 0;
    let compounding = parseInt(document.getElementById('compounding').value) || 1;
    
    let result = 0;
    let errorMsg = '';
    
    if (!rate || !n || (!pv && !pmt)) {
        errorMsg = "Please provide a valid interest rate, number of periods, and at least one value (PV or PMT).";
        document.getElementById('error').innerText = errorMsg;
        document.getElementById('result').innerText = '';
        return;
    }
    
    document.getElementById('error').innerText = '';  // Clear any previous error messages
    
    let periods = n * compounding;  // Adjust periods for compounding frequency
    let adjustedRate = rate / compounding;  // Adjust rate for compounding frequency
    
    // Calculate Future Value for a Lump Sum
    if (pv && !fv && !pmt) {
        result = pv * Math.pow(1 + adjustedRate, periods);
        document.getElementById('result').innerText = `Future Value (FV): ${result.toFixed(2)}`;
    }
    // Calculate Present Value
    else if (!pv && fv && !pmt) {
        result = fv / Math.pow(1 + adjustedRate, periods);
        document.getElementById('result').innerText = `Present Value (PV): ${result.toFixed(2)}`;
    }
    // Calculate Future Value with Regular Payments (PMT)
    else if (!fv && pmt) {
        result = pmt * ((Math.pow(1 + adjustedRate, periods) - 1) / adjustedRate);
        document.getElementById('result').innerText = `Future Value with PMT: ${result.toFixed(2)}`;
    }
    
    // Generate the graph
    generateGraph(pv, rate, compounding, n, pmt);
}

function generateGraph(pv, rate, compounding, years, pmt) {
    let labels = [];
    let values = [];
    let periods = years * compounding;
    let adjustedRate = rate / compounding;
    let futureValue = pv;
    
    for (let i = 0; i <= periods; i++) {
        labels.push(`Year ${Math.floor(i / compounding)}`);
        if (pmt) {
            futureValue += pmt;
        }
        futureValue *= (1 + adjustedRate);
        values.push(futureValue.toFixed(2));
    }

    let ctx = document.getElementById('tvmChart').getContext('2d');
    new Chart(ctx, {
        type: 'line',
        data: {
            labels: labels,
            datasets: [{
                label: 'Future Value Growth',
                data: values,
                borderColor: 'rgba(75, 192, 192, 1)',
                backgroundColor: 'rgba(75, 192, 192, 0.2)',
                borderWidth: 2,
                fill: true
            }]
        },
        options: {
            responsive: true,
            scales: {
                x: {
                    title: {
                        display: true,
                        text: 'Periods'
                    }
                },
                y: {
                    title: {
                        display: true,
                        text: 'Future Value'
                    }
                }
            }
        }
    });
}
</script>

</body>
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