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Finance AI Solver for coursework

Every variable is defined before a number goes in, rates and periods are kept consistent, and rounding waits until the end. Help for finance classes — not advice about your own money.

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Result

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Getting a finance problem explained

  1. Enter the problem

    Type the cash flows, rate and timing, or upload an image of the question (PNG, JPG or WebP, at most 5 MB).

  2. Choose level and style

    College / university is preselected. An everyday analogy can help with ideas like discounting.

  3. Follow formula to decision

    See the formula, each variable defined, the substitution, and what the result means for the decision being asked about.

  4. Verify and practice

    Use the suggested check, try the similar problem, and keep asking in AI Chat.

Time value of money formulas, in plain text

Future value of a single amount: FV = PV × (1 + r)ⁿ. Present value of a future amount: PV = FV ÷ (1 + r)ⁿ. Here r is the rate per period and n is the number of periods.

Present value of an ordinary annuity, with equal payments at the end of each period: PV = PMT × [1 − (1 + r)⁻ⁿ] ÷ r. When payments come at the start of each period (an annuity due), multiply that result by (1 + r).

Net present value: NPV = Σ CFₜ ÷ (1 + r)ᵗ − initial investment. A positive NPV means the project earns more than the discount rate. The internal rate of return is the rate that makes NPV exactly zero.

Keep rates and periods matched. A 12% annual rate compounded monthly is 1% per month over 12n months, and its effective annual rate is (1.01)¹² − 1 ≈ 12.68%. For simple growth or return percentages, use the free percent change calculator instead.

Worked example: a five-year annuity

1,000 received at the end of each year for 5 years, discounted at 6%.

  • Pick the formula

    Equal end-of-year payments make this an ordinary annuity: PV = PMT × [1 − (1 + r)⁻ⁿ] ÷ r, with PMT = 1,000, r = 0.06 and n = 5.

  • Compute the factor

    1.06⁵ ≈ 1.3382256, so 1.06⁻⁵ ≈ 0.7472582. The annuity factor is (1 − 0.7472582) ÷ 0.06 ≈ 4.212364.

  • Finish and round last

    PV ≈ 1,000 × 4.212364 ≈ 4,212.36. Keeping full precision until this final multiplication avoids rounding drift.

  • Interpret it

    Five payments of 1,000 are worth about 4,212.36 today at 6%, less than their 5,000 total because later payments are discounted more heavily.

What the finance tutor does

  • Formula first

    Time value of money, annuities, NPV, IRR, bond pricing, CAPM or a financial ratio — written out in math notation with every variable defined.

  • Consistent periods

    Annual versus monthly and nominal versus effective rates are matched before any calculation starts.

  • Rounds at the end

    Intermediate values keep their precision; only the final figure is rounded.

  • Meaning for the decision

    Results are tied back to the question, such as whether to accept a project or why a bond trades at a premium.

  • Coursework only

    Questions about what to do with your own money get a clear note that this is study help, not personal financial advice.

  • Photo-friendly

    Problem sets and cash flow tables in a photo are transcribed first, and unreadable figures are flagged.

Frequently asked questions

No. It is built for finance coursework, not personal financial advice. If a question asks what someone should do with their own money, it explains the concepts and says so; for real decisions, talk to a licensed professional.

Yes. It prices a bond as the present value of its coupons plus the present value of its face value, and explains why the price falls when market yields rise.

It explains the setup — the rate at which NPV equals zero — and shows how trial rates and interpolation narrow it down. Precise IRRs for long or irregular cash flows are best confirmed with a spreadsheet or a financial calculator.

None on the Pro plans, which include it* (*fair use: up to 300 runs a day across the writing, study and code tools). Without a plan it takes 2 credits, or 3 with a photo of the problem. Signed-out visitors can preview the opening of the explanation free of charge.

Follow your course's rules. The worked steps are meant for understanding and for checking your own attempt; see Academic Integrity.

No — AI can misplace a decimal or mismatch periods. Re-run the key figures yourself and compare them with your textbook's tables or your calculator.

More help for finance students

Discounting giving you trouble?

See the formula, the variables and the decision it supports, then solve a practice problem.

Explain my finance problem
  • Formulas with variables defined
  • Rates and periods matched
  • Coursework help, not advice