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BA II Plus Calculator
Professional financial calculator replicating the powerful BA II Plus functionality. Calculate time value of money, analyze cash flows, and generate amortization schedules with the same precision as the industry-standard physical calculator.
TVM Variables
Results
PMT =
$1,896.20
PMT = -(PV + FV/(1+i)^N) × i / [1-(1+i)^-N]
Calculation Summary
Periodic Rate: 0.5417%
Payment Frequency: 12 times per year
Compounding: 12 times per year
Payment Timing: End of period
How to Use the BA II Calculator
Time Value of Money (TVM)
1
Select which variable you want to solve for (N, I/Y, PV, PMT, or FV)
2
Enter the known values in the appropriate fields
3
Use negative values for cash outflows (like loan amounts or payments made)
4
Adjust P/Y and C/Y settings if payment and compounding frequencies differ
Common TVM Examples
Mortgage Payment: PV = -300000, I/Y = 6.5, N = 360, FV = 0, Solve for PMT
Savings Goal: PV = -10000, PMT = -500, I/Y = 8, N = 240, Solve for FV
Loan Payoff Time: PV = -50000, PMT = 1000, I/Y = 5.5, FV = 0, Solve for N
NPV/IRR Analysis
1
Enter your required rate of return as the discount rate
2
Add cash flows chronologically, starting with CF0 (initial investment)
3
Use negative values for outflows (investments) and positive for inflows
4
NPV > 0 means the project adds value; IRR > discount rate means accept project
Sign Conventions
Follow BA II Plus sign conventions:
• Cash outflows (payments made): negative values
• Cash inflows (money received): positive values
• This ensures accurate calculations and matches physical calculator behavior
Frequently Asked Questions
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