TechNoviceTools — JavaScript Apps

Personal Finance

Time is money — and with the right equations, you can make both work for you.
Four financial calculators, verified against TI graphing-calculator results.

Choose Your Calculator

The Financial Toolkit

Each app uses the same time-value-of-money formulas as a TI graphing calculator. The Equations page explains the math behind all four.

Savings

Calculate the future value of a principal investment with regular periodic payments and compound interest.

Loan

Calculate the monthly payment for a loan given the principal amount, APR, and repayment term in years.

Sinking Fund

Find the regular payment needed to reach a future value target starting from an initial principal investment.

Annuity

Determine the regular payment you can receive from a lump-sum investment over a defined time horizon.

Equations

The full formula reference for all four calculators, with symbol definitions and intermediate variable explanations.