Get documents about "Future Present Value
Document Sample
Future & Present Value Finance is Fun!
Enter:
N I/YR PV PMT FV
xP/YR NOM% EFF% P/YR AMORT
Solve for:
Enter:
N I/YR PV PMT FV
xP/YR NOM% EFF% P/YR AMORT
Solve for:
Interest Rates Finance is Fun!
Enter: 12.00 12
N I/YR PV PMT FV
xP/YR NOM% EFF% P/YR AMORT
Solve for: 12.68
Enter: 18.00 12
N I/YR PV PMT FV
xP/YR NOM% EFF% P/YR AMORT
Solve for: 16.67
Loan $1,000,000.00
Annual rate 7.00%
Periodic Rate 0.035
Years 20
Payment periods per year 2
Total Periods 40
Period PMT $46,827.28
Periodic Interest Principal
Periods Period PMT Payment Repayment
0
1 46,827.28 35,000.00 11,827.28
2 46,827.28 34,586.05 12,241.24
3 46,827.28 34,157.60 12,669.68
4 46,827.28 33,714.16 13,113.12
5 46,827.28 33,255.20 13,572.08
6 46,827.28 32,780.18 14,047.10
7 46,827.28 32,288.53 14,538.75
8 46,827.28 31,779.68 15,047.61
9 46,827.28 31,253.01 15,574.27
10 46,827.28 30,707.91 16,119.37
11 46,827.28 30,143.73 16,683.55
12 46,827.28 29,559.81 17,267.47
13 46,827.28 28,955.45 17,871.84
14 46,827.28 28,329.93 18,497.35
15 46,827.28 27,682.53 19,144.76
16 46,827.28 27,012.46 19,814.82
17 46,827.28 26,318.94 20,508.34
18 46,827.28 25,601.15 21,226.13
19 46,827.28 24,858.23 21,969.05
20 46,827.28 24,089.32 22,737.97
21 46,827.28 23,293.49 23,533.79
22 46,827.28 22,469.80 24,357.48
23 46,827.28 21,617.29 25,209.99
24 46,827.28 20,734.94 26,092.34
25 46,827.28 19,821.71 27,005.57
26 46,827.28 18,876.52 27,950.77
27 46,827.28 17,898.24 28,929.04
28 46,827.28 16,885.72 29,941.56
29 46,827.28 15,837.77 30,989.51
30 46,827.28 14,753.14 32,074.15
31 46,827.28 13,630.54 33,196.74
32 46,827.28 12,468.65 34,358.63
33 46,827.28 11,266.10 35,561.18
34 46,827.28 10,021.46 36,805.82
35 46,827.28 8,733.26 38,094.02
36 46,827.28 7,399.97 39,427.32
37 46,827.28 6,020.01 40,807.27
38 46,827.28 4,591.76 42,235.53
39 46,827.28 3,113.51 43,713.77
40 46,827.28 1,583.53 45,243.75
Principal Balance Lump Sum Payment
1,000,000.00
988,172.72
975,931.48
963,261.80
950,148.68
936,576.60
922,529.50
907,990.75
892,943.15
877,368.87
861,249.50
844,565.95
827,298.48
809,426.64
790,929.29
771,784.54
751,969.71
731,461.37
710,235.24
688,266.19
665,528.22
641,994.43
617,636.95
592,426.96
566,334.62
539,329.05
511,378.29
482,449.24
452,507.68
421,518.17
389,444.02
356,247.28
321,888.66
286,327.48
249,521.66
211,427.63
172,000.32
131,193.05
88,957.52
45,243.75
-
Loan $1,000,000.00
Annual rate 7.00%
Periodic Rate 0.035
Years 20
Payment periods per year 2
Total Periods 40
Period PMT $46,827.28
Periodic Interest Principal
Periods Period PMT Payment Repayment
0
1 60,000.00 35,000.00 25,000.00
2 59,125.00 34,125.00 25,000.00
3 58,250.00 33,250.00 25,000.00
4 57,375.00 32,375.00 25,000.00
5 56,500.00 31,500.00 25,000.00
6 55,625.00 30,625.00 25,000.00
7 54,750.00 29,750.00 25,000.00
8 53,875.00 28,875.00 25,000.00
9 53,000.00 28,000.00 25,000.00
10 52,125.00 27,125.00 25,000.00
11 51,250.00 26,250.00 25,000.00
12 50,375.00 25,375.00 25,000.00
13 49,500.00 24,500.00 25,000.00
14 48,625.00 23,625.00 25,000.00
15 47,750.00 22,750.00 25,000.00
16 46,875.00 21,875.00 25,000.00
17 46,000.00 21,000.00 25,000.00
18 45,125.00 20,125.00 25,000.00
19 44,250.00 19,250.00 25,000.00
20 43,375.00 18,375.00 25,000.00
21 42,500.00 17,500.00 25,000.00
22 41,625.00 16,625.00 25,000.00
23 40,750.00 15,750.00 25,000.00
24 39,875.00 14,875.00 25,000.00
25 39,000.00 14,000.00 25,000.00
26 38,125.00 13,125.00 25,000.00
27 37,250.00 12,250.00 25,000.00
28 36,375.00 11,375.00 25,000.00
29 35,500.00 10,500.00 25,000.00
30 34,625.00 9,625.00 25,000.00
31 33,750.00 8,750.00 25,000.00
32 32,875.00 7,875.00 25,000.00
33 32,000.00 7,000.00 25,000.00
34 31,125.00 6,125.00 25,000.00
35 30,250.00 5,250.00 25,000.00
36 29,375.00 4,375.00 25,000.00
37 28,500.00 3,500.00 25,000.00
38 27,625.00 2,625.00 25,000.00
39 26,750.00 1,750.00 25,000.00
40 25,875.00 875.00 25,000.00
Principal Balance Lump Sum Payment
1,000,000.00
975,000.00
950,000.00
925,000.00
900,000.00
875,000.00
850,000.00
825,000.00
800,000.00
775,000.00
750,000.00
725,000.00
700,000.00
675,000.00
650,000.00
625,000.00
600,000.00
575,000.00
550,000.00
525,000.00
500,000.00
475,000.00
450,000.00
425,000.00
400,000.00
375,000.00
350,000.00
325,000.00
300,000.00
275,000.00
250,000.00
225,000.00
200,000.00
175,000.00
150,000.00
125,000.00
100,000.00
75,000.00
50,000.00
25,000.00
-
Loan $1,000,000.00
Annual rate 7.00%
Periodic Rate 0.035
Years 20
Payment periods per year 2
Total Periods 40
Period PMT $35,000.00
Periodic Interest Principal
Year Periods Payment Repayment
Year 0 0
1 $35,000.00
Year 1 2 $35,000.00
3 $35,000.00
Year 2 4 $35,000.00
5 $35,000.00
Year 3 6 $35,000.00
7 $35,000.00
Year 4 8 $35,000.00
9 $35,000.00
Year 5 10 $35,000.00
11 $35,000.00
Year 6 12 $35,000.00
13 $35,000.00
Year 7 14 $35,000.00
15 $35,000.00
Year 8 16 $35,000.00
17 $35,000.00
Year 9 18 $35,000.00
19 $35,000.00
Year 10 20 $35,000.00
21 $35,000.00
Year 11 22 $35,000.00
23 $35,000.00
Year 12 24 $35,000.00
25 $35,000.00
Year 13 26 $35,000.00
27 $35,000.00
Year 14 28 $35,000.00
29 $35,000.00
Year 15 30 $35,000.00
31 $35,000.00
Year 16 32 $35,000.00
33 $35,000.00
Year 17 34 $35,000.00
35 $35,000.00
Year 18 36 $35,000.00
37 $35,000.00
Year 19 38 $35,000.00
39 $35,000.00
Year 20 40 $35,000.00 $1,000,000.00
Principal Balance
$1,000,000.00
Amount Recived $252,572.47
Annual rate 7.00%
Periodic Rate 0.035
Years 20
Payment periods per year 2
Total Periods 40
Repayment of Loan $1,000,000.00
Principal
Periods Balance
0 $252,572.47
40 $1,000,000.00
Loan $10,000.00
Annual rate 7.00%
Periodic Rate 0.035
Years 3
Payment periods per year 2
Total Periods 6
Period PMT $1,876.68
Periodic Interest Principal
Periods Period PMT Payment Repayment
0
1 1,876.68 350.00 1,526.68
2 1,876.68 296.57 1,580.12
3 1,876.68 241.26 1,635.42
4 1,876.68 184.02 1,692.66
5 1,876.68 124.78 1,751.90
6 1,876.68 63.46 1,813.22
Totals 11,260.09 1,260.09 10,000.00
Loan $10,000.00
Annual rate 7.00%
Periodic Rate
Years 3
Payment periods per year 2
Total Periods
Period PMT
Periodic Interest Principal
Periods Period PMT Payment Repayment
0
1
2
3
4
5
6
Totals
Principal Balance Lump Sum Payment
10,000.00
8,473.32
6,893.20
5,257.78
3,565.12
1,813.22
-
Principal Balance Lump Sum Payment
Loan $10,000.00
Annual rate 7.00%
Periodic Rate 0.07
Years 5
Payment periods per year 1
Total Periods 5
Principal Repayment $1,000.00
Total Period Periodic Interest Principal
Periods Payment Payment Repayment
0
1 1,700.00 700.00 $1,000.00
2 1,630.00 630.00 $1,000.00
3 1,560.00 560.00 $1,000.00
4 1,490.00 490.00 $1,000.00
5 1,420.00 420.00 $1,000.00
Total 7,800.00 2,800.00 5,000.00
Loan $10,000.00
Annual rate 7.00%
Periodic Rate
Years 5
Payment periods per year 1
Total Periods
Principal Repayment $1,000.00
Total Period Periodic Interest Principal
Periods Payment Payment Repayment
0
1
2
3
4
5
Total
Principal Balance Lump Sum Payment
10,000.00
9,000.00
8,000.00
7,000.00
6,000.00
5,000.00
Principal Balance Lump Sum Payment
Loan $10,000.00
Annual rate 7.00%
Periodic Rate 0.035
Years 3
Payment periods per year 2
Total Periods 6
Period PMT $350.00
Periodic Interest Principal
Periods Payment Repayment Principal Balance
0 $10,000.00
1 $350.00
2 $350.00
3 $350.00
4 $350.00
5 $350.00
6 $350.00 $10,000.00
Total $2,100.00 $10,000.00
Loan $10,000.00
Annual rate 7.00%
Periodic Rate
Years 3
Payment periods per year 2
Total Periods
Period PMT
Periodic Interest Principal
Periods Payment Repayment Principal Balance
0
1
2
3
4
5
6
Total
Amount Recived $7,129.86
Annual rate 7.00%
Periodic Rate 0.07
Years 5
Payment periods per year 1
Total Periods 5
Repayment of Loan $10,000.00
Periods Principal
0 $7,129.86
5 $10,000.00
Amount Recived
Annual rate 7.00%
Periodic Rate
Years 5
Payment periods per year 1
Total Periods
Repayment of Loan $10,000.00
Periods Principal
0
5
Original Loan $120,000.00
Years 10
Annual Rate 12.00%
Number
Compound
per year 12
Pay off loan
after how many
years: 3
Step 1
Enter: 10*12 12.00 -120,000.00
N I/YR PV PMT FV
xP/YR NOM%
Solve for: 1,721.65
Step 2
Enter: 10*12-3*12=84
N I/YR PV PMT FV
xP/YR NOM%
Solve for: 97,528.81
12
EFF% P/YR AMORT
EFF% P/YR AMORT
Cost of Capital 0.15
Price for machine = $225,000.00
Net Cash Flow Year 0
Net Cash Flow Year 1 $60,000.00
Net Cash Flow Year 2 $60,000.00
Net Cash Flow Year 3 $60,000.00
Net Cash Flow Year 4 $50,000.00
Net Cash Flow Year 5 $50,000.00
Net Cash Flow Year 6 $50,000.00
Net Cash Flow Year 7 $25,000.00
Net Cash Flow Year 8 $25,000.00
Net Cash Flow Year 9 $25,000.00
Net Cash Flow Year 10 $35,000.00
NPV $245,385.38
Loan $4,050.00
Years ?
Annual Rate 18.00%
Monthly Rate 1.50%
Number
Compound
per year 12
Monthly
Minimum $72.00
Enter: 1.50 4,050.00 -72.00
N I/YR PV PMT FV
xP/YR NOM% EFF%
Solve for: 125
10.39 years
1
P/YR AMORT
Related docs
