Report updated Apr 5, 2026
TVM: Time Value of Money
v8.6Students, finance professionals, and individuals looking for a reliable, offline tool to perform time-value-of-money calculations.
What Is TVM: Time Value of Money?
Launched Oct 27, 2010
Updated Oct 2025
What users think iIndependent intel reports to help builders create better apps or enhance existing ones. Still in beta, accuracy and relevancy get better every day. For informational purposes only.
What does it look like?
What are the key features?
Calculates Present Value, Future Value, Periodic Payment, Time, and Interest Rate.
Includes integrated equations and documentation for financial formulas.
Allows users to export calculation results to CSV format.
Fully functional without the need for network connectivity.
Send calculations or conversions via email or social media.
Automatically saves user inputs for convenience.
What do users think? iIndependent intel reports to help builders create better apps or enhance existing ones. Still in beta, accuracy and relevancy get better every day. For informational purposes only.
“Recent user voice shows a frustrated sentiment. Users appreciate simple functionality, but report calculation accuracy and poor usability and documentation.”
What Users Love
Simple but effective. Makes time value calculations quickly.
Easy to load info and easy to play what ifs with the inputs
Pain Points
The apps calculations are incorrect
Answers received were not in sync with my other financial calculators.
I found this one difficult to figure out which variables go where.
More documentation on selection of period and interest rate/period needs to be provided
A waste of money.
A little expensive for such a simple program though.
Medium confidence · 9 reviews available
How is it ranked?
| Chart | Rank | Change |
|---|---|---|
| Paid | #88 | ▼13 |
What are the pros and cons?
Pros
- Full offline functionality
- CSV data export for professional use
- Integrated formula documentation
- Low-cost, no-subscription model
Cons
- Reported calculation inaccuracies
- Outdated iOS user interface
- Difficult variable input layout
- Infrequent iOS updates (last in 2021)
What is the market outlook?
Growth Opportunities
- Audit and fix the core math engine to regain trust
- Modernize UI with minimalist design trends
- Introduce complex financial templates (e.g., Amortization)
- Align pricing models across platforms
Market Threats
- Dominance of free all-in-one suites (Bishinews)
- New minimalist competitors with better UX (Simple TVM)
- Declining App Store visibility due to negative reviews
- Potential removal from App Store for lack of updates
Who competes with TVM: Time Value of Money?
The Nemesis
EZ Financial Calculators Pro
Bishinew Incorporated
The most popular all-in-one financial suite featuring a dedicated TVM solver that mirrors the core functionality of the analyzed app.
The most popular all-in-one financial suite featuring a dedicated TVM solver that mirrors the core functionality of the analyzed app.
Contenders
EZCalc Diamonds
★2.1 (11)ADIRsoft
A multi-tool financial app that competes on the breadth of its TVM-related modules like loan and investment calculators.
A multi-tool financial app that competes on the breadth of its TVM-related modules like loan and investment calculators.
Peers
PCalc
TLA Systems Ltd.
A premium general-purpose calculator with extensive financial functions that serves the high-end power user segment.
A premium general-purpose calculator with extensive financial functions that serves the high-end power user segment.
WolframAlpha Classic
Wolfram Group LLC
A computational engine that many students use as an alternative to dedicated TVM apps for solving complex financial equations.
A computational engine that many students use as an alternative to dedicated TVM apps for solving complex financial equations.
Compound Interest Calc
Mobile and Database Solutions
An adjacent tool focusing on the growth aspect of TVM, often used by the same individual investor demographic.
An adjacent tool focusing on the growth aspect of TVM, often used by the same individual investor demographic.
What are the key takeaways?
TVM: Time Value of Money is a frustrating finance app that is a paid app. With a 5.0/5 rating from 1 reviews, it frustrates many users from users. Users particularly appreciate simple functionality, though calculation accuracy remains a common concern.
Best for: Students, finance professionals, and individuals looking for a reliable, offline tool to perform time-value-of-money calculations.
How much does it cost?
Model: paid
The developer utilizes a low-cost, one-time purchase model on iOS to signal quality and privacy, while offering a free version on Android to capture broader market share.
iOS Version
8.6
Android Version
1.28
Release Date
Oct 27, 2010
iOS Price
$0.99
Android Price
Free
Developer
Verosocial Studio