The Time Value of Money: How to Calculate It and How to Use It

The time value of money (TVM) is a financial concept that explains why a dollar today is worth more than a dollar in the future. It is based on the idea that money can grow over time by earning interest or being invested. Therefore, receiving money sooner rather than later allows one to exploit its potential growth.

In this article, we will explore the following topics:

  • What are the factors that affect the time value of money?
  • How to calculate the present and future value of money using formulas and examples?
  • What are the applications and implications of the time value of money in personal and business finance?
  • How does the time value of money apply to Crypto?

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