Building an Advanced TVM & Loan Amortization Calculator with Pure JavaScript
Calculating compound interest, Time Value of Money (TVM), and loan amortization schedules is essential for financial application development. Instead of relying on heavy third-party libraries, I built a lightweight, pure Vanilla JavaScript calculator that runs entirely client-side. TVM Calculator (Time Value of Money): Solves for Future Value ($FV$), Present Value ($PV$), and Monthly Payments ($PMT$). Uses compounding interest formulas: $$FV = PV (1 + r)^n + PMT \left[ \frac{(1 + r)^n - 1}{r} \r
Calculating compound interest, Time Value of Money (TVM), and loan amortization schedules is essential for financial application development. Instead of relying on heavy third-party libraries, I built a lightweight, pure Vanilla JavaScript calculator that runs entirely client-side.
🌟 Key Features
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TVM Calculator (Time Value of Money):
- Solves for Future Value ($FV$), Present Value ($PV$), and Monthly Payments ($PMT$).
- Uses compounding interest formulas: $$FV = PV (1 + r)^n + PMT \left[ \frac{(1 + r)^n - 1}{r} \right]$$
-
Loan Amortization Engine:
- Calculates fixed monthly mortgage/loan payments.
- Computes total interest paid vs. total principal repaid over time.
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Performance & Privacy:
- Zero dependencies (Pure HTML, CSS, JavaScript).
- Fast, client-side execution with 100% data privacy.
🔗 Live Demo & Full Tool
You can test the full interactive calculator and amortization schedule tracker live here:
👉 Advanced Finance Calculator on Global Tools Box
https://www.globaltoolsbox.online/2026/07/advanced-finance-calculator-2026-tvm-amortization.html
Feel free to check it out and share your thoughts or logic optimizations!
