How to iterate through all if statements [duplicate]

This question already has an answer here:

• How do I test one variable against multiple values? 15 answers

this is only calculating the future value(1st if-statement), regardless of what the user input is, how do I fix this issue? I've tried nesting the if statements, as well as changing the while loop to an if statement. Is the issue in the if-statement, while-loop, parameter passing, or an issue with the scope of variables?

user_menu = ['F','P','Q','M','f','p','q','m']

def displayMenu(): 
    menu_display = '''         Welcome to Jane Doe's Financial Calculator
 You may use this handy tool in order to calculate your expenses
                      Enjoy :)


           F = Future Value
           P = Present Value
           M = Monthly Payments
           Q = Quit'''
    print(menu_display)
    print()

def calculateFutureValue(A,r,t):
        future_value= A*(1+r)**t
        return future_value

def calculatePresentValue(A2,r2,t2):
        present_value= A2*(1+r2)**(-t2)
        return present_value

def calculateMonthlyPayment(loan_amount,r,t):
        monthly_payment= (loan_amount*r3/12*(1+r3/12)**t3*12)/((1+r3/12)**(t3*12)-1)
        return monthly_payment

displayMenu() #calls func to display menu to user 

user_choice = str(input('Please select an option from the provided menu: '))

while user_choice != 'Q' or 'q':
    if user_choice == 'F'or'f':
        print('You are using the Future Value Calc!')
        A = float(input('Please enter an amount in USD: '))
        r = float(input('Please enter an interest rate: '))
        t = float(input('Please enter an amount of time in years: '))
        calculateFutureValue(A,r,t)
        print('The future value is',calculateFutureValue(A,r,t))
    elif user_choice == 'P'or'p':
        print('You are using the Present Value Calc!')
        A2 = float(input('Please enter an amount in USD: '))
        r2 = float(input('Please enter an interest rate: '))
        t2 = float(input('Please enter an amount of time in years: '))
        calculatePresentValue(A2,r2,t2)
        print('The present value is',calculatePresentValue(A2,r2,t2))
    elif user_choice == 'M'or'm':
            print('You are using the Monthly Payment Calc!')
            loan_amount=float(input('Please enter loan amount in USD: '))
            r3 = float(input('Please enter an interest rate: '))
            t3 = float(input('Please enter an amount of time in years: '))
            calculateMonthlyPayment(loan_amount,r3,t3)
            print('The montly payment is',calculateMonthlyPayment(loan_amount,r3,t3))
    elif user_choice not in user_menu:
        print('Please only use the provided menu options!')



calculateFutureValue(A,r,t)
calculatePresentValue(A,r2,t2)
calculateMonthlyPayment(loan_amount,r3,t3)