Worksheet Generator · Saving & Interest
Time Value of Money Worksheet Generator
Make time-value-of-money worksheets in seconds. Each row gives a present value, an interest rate, and a future value; students fill in the blank — find the future value by adding the interest, or the present value by dividing by (1 + the rate) — all with a built-in answer key. Choose the direction, the number of rows, and the largest amount. Included with your full Money Instructor membership.
Make a Worksheet
Build your time value of money worksheet
How It Works
Make a worksheet in four steps
- Pick the direction. Have students find the future value, the present value, or a mix of both. Set how many rows and the largest amount.
- Generate. Press Generate worksheet — the tool writes a fresh table of present values, rates, and future values.
- Students solve. They add the interest to find a future value, or divide by (1 + the rate) to find a present value — the blank cell shows what to compute.
- Print or grade. Keep Include answer key on to print every answer, or press ↻ New version for a fresh set.
In the Classroom
Six ways to use it
Time value of money
A dollar today is worth more than a dollar tomorrow — the core idea the whole worksheet builds on.
Future value
Add the interest (present value × rate) to the present value to find what it grows to.
Present value
Divide a future value by (1 + the rate) to find what it is worth today.
Percent of a number
The interest is a percent of the present value — a percent-of-a-number skill in a finance frame.
Investing & saving
Shows why investing early matters and what a future payout is really worth now.
Money accuracy
Amounts are whole dollars and rates are whole percents, so every answer checks out to the cent.
What It Teaches
Money skills students build
The time value of money is the idea behind saving, investing, and every finance decision: a dollar today can earn interest, so it is worth more than a dollar next year. Students move both ways — growing a present value into a future value, and discounting a future value back to what it is worth today. Pair this with the present value and compound interest lessons for more practice.
- Understand the time value of money
- Find a future value from a present value
- Find a present value from a future value
- Take a percent of an amount as interest
- See why investing early is worth more
Common Questions
Time Value of Money Worksheet FAQ
Do I need a membership to use this generator?
Yes — the generator is a full Money Instructor membership feature (the paid plan, not a free account). Full members can make and print unlimited worksheets with answer keys. The page itself is free to read.
What does the worksheet look like?
A table with a present value, an interest rate, and a future value on each row, with one value left blank for students to compute. An optional answer key prints every value.
How do students find the answers?
To find a future value, they add the interest (present value × rate) to the present value. To find a present value, they divide the future value by (1 + the rate).
Can I control the difficulty?
Yes. Choose whether students find the future value, the present value, or a mix of both, set the largest amount, and optionally fill in the interest column as a scaffold.
Are the answers exact?
Yes. Each row is built from a whole-dollar present value and a whole percent, so the interest, the future value, and the present value are all exact — no rounding surprises.
Is there an answer key?
Yes. Keep Include answer key on and the tool fills in every value. Set Number of worksheets up to 5 for different versions.
More Money Resources
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