Time Value of Money (TVM) is one of the most important concepts in finance and accounting. The simple idea is that money today is more valuable than the same amount in the future, because it has earning potential. Understanding TVM helps in making smarter investment, business, and financial decisions. Key formulas explained: Future Value (FV): Calculates how much today’s money will grow in the future. Present Value (PV): Finds the current worth of money you will receive in the future. Future Val
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