# Net Future Value (NFV) Calculator

### What is Net Future Value (NFV)?

Net Present Value (NPV) is a financial calculation used when determining the time value of money to determine the “net future value” of a series of financial streams.
At its core, it is a combination of some different Present Value (PV) calculations that take place at different times.
As this calculator is structured to parallel the results of a financial calculator, inputs and outputs will be similar – for example, a negative present value (or payment) means an outflow as opposed to a directly negative number.

### How is the Net Future Value calculated?

Net Future Value is a combination of different future values from different times, all who are put into one larger present value.
The calculator is using a future value calculation for each different present value to bring the total amount to one date in the future.

### What is Present Value?

Present Value (PV) is the total value at the beginning of the time period.

### What is Future Value?

Future Value (FV) is the total value at the end of the time period.

### What are periods?

Periods are the number of times that compounding (and payments) take place.

### What is the rate?

The rate is the amount of interest earned per compounding period.

### What is Payment (PMT)?

A payment is an amount either deposited or withdrawn at each compounding period. A negative number designates an amount that is deposited, while a positive one withdrawn. For example, if \$100 is deposited each compounding period, it would be entered as '-100', while if \$75 was payed out each compounding period, it would be entered as '75'.

### What are Payments at start or end of the period?

A payment at the beginning of a period would mean that the payment (or deposit) occurs at the beginning of each period. A payment at the end of a period would mean that the payment (or deposit) occurs at the end of each period.