Calculates compound interest problems where payments are not the same from period to period. Computations include net present value (NPV), net future value (NFV), standard and modified internal rate of return (IRR and MIRR), net uniform series (NUS), profitability index and payback.
Calculates a commercial lease with advanced payments and provides analysis for depreciation and interest totals.
Calculates compound and simple interest problems assuming lump sum payments at the end of a loan or investment. Also calculates the effective interest rate.
Continuous Time Value of Money (TVM) assumes payment periods per year and interest compounding per year is continuous.
Convert between common currencies, determining exchange rates and currency amounts.
Uses future free cash flow projections and discounts them using the weighted average cost of capital (WACC) or CAPM to arrive at a present value.
Converts nominal (or stated) interest rates into Effective Interest Rates by giving consideration to the impact of prepaid interest in the form of points, and deferred interest in the form of prepayment penalties.
Because prices increase over time, an amount of money can buy more today than it can tomorrow. This template considers the effects of inflation on an amount of money.
Compare (or convert) interest rates when two investments have different compounding periods. Normally, investments are stated in terms of annual, nominal interest rates. Use effective rates to compare investments.
Converts interest/interest, interest/discount, discount/interest, or discount/discount rates with different compounding periods.
Loan constant measures the true cost of borrowing with consideration to the effective interest rate, the payback of interest and the payback of principal. Loan constant can also be used to compare loan alternatives.
Calculates how many months it takes to pay off the cost of refinancing a loan. Money is saved on payments after the break even point.
Calculates the maximum loan amount a bank would be willing to lend given a certain income level.
Calculates the amount of money that must be invested to provide a perpetual $1.00 payment at the end of each year based upon the inputted interest rate.
Calculates a series loan payment amount for any given month where the payment amount changes each month.
Calculates the amount owed on a loan assuming simple interest, where interest is accumulated only once at the time of repayment.
Also known as TVM or amortization, calculates compound interest problems where the payment is steady from period to period. Variables include present value, future value, payment, interest rate per year and periods.