How Do I Calculate a Time Value of Money?

Mathemati: You have to use some assumptions to get you to a goal or projection. Mathemati: It's impossible for me to take you through a time value of money calculation, but that's exactly what it is. How much do you then need to contribute each period in order to hit your goal? Do that calculation. Come up with that amount and see is it realistic for anything you're trying to save for. We can't argue with the math; we just try to get away from mathemati.