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Financial Calculations Overview

The document contains various calculations related to loans, including monthly loan payments, interest rates, principal balances, and time durations. It examines the impacts of different interest rates, payment amounts, loan terms, and initial balances on the future and present values of loans. The results show balances, payments, interest, and principal amounts over time for loans with varying parameters.
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0% found this document useful (0 votes)
101 views10 pages

Financial Calculations Overview

The document contains various calculations related to loans, including monthly loan payments, interest rates, principal balances, and time durations. It examines the impacts of different interest rates, payment amounts, loan terms, and initial balances on the future and present values of loans. The results show balances, payments, interest, and principal amounts over time for loans with varying parameters.
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd

Principal $10,000

Interest Rate 5%
Years 2
Payment/Year 12
Monthly Payment 100

Future Value $13,578.50


Final Amount $1,000,000.00
Interest 10%
Years 25
Monthly Payement 200

Present Value ($60,746.89)


5 10 15 20
3% ($860,869.11) ($741,095.62) ($637,986.32) ($549,222.71)
4% ($819,003.10) ($670,766.08) ($549,359.50) ($449,927.14)
5% ($779,205.39) ($607,161.04) ($473,103.16) ($368,644.53)
6% ($741,372.20) ($549,632.73) ($407,482.43) ($302,096.14)
7% ($705,405.04) ($497,596.27) ($351,006.91) ($247,602.05)
8% ($671,210.44) ($450,523.46) ($302,396.05) ($202,971.39)
9% ($638,699.70) ($407,937.30) ($260,549.43) ($166,412.84)
10% ($607,788.59) ($369,406.97) ($224,521.34) ($136,461.51)
Interest
25 Years
($472,808.87)
($368,491.72)
($287,249.80)
($223,965.68)
($174,659.73)
($136,236.52)
($106,287.83)
($82,939.75)
Principal $10,000
Interest 10%
Loan Term 5
Payments 60

Payment Total (PMT) Interest (IPMT) Pricipal (PPMT)


1 ($212.47) ($83.33) ($129.14)
2 ($212.47) ($82.26) ($130.21)
3 ($212.47) ($81.17) ($131.30)
4 ($212.47) ($80.08) ($132.39)
5 ($212.47) ($78.97) ($133.50)
6 ($212.47) ($77.86) ($134.61)
7 ($212.47) ($76.74) ($135.73)
8 ($212.47) ($75.61) ($136.86)
9 ($212.47) ($74.47) ($138.00)
10 ($212.47) ($73.32) ($139.15)
11 ($212.47) ($72.16) ($140.31)
12 ($212.47) ($70.99) ($141.48)
13 ($212.47) ($69.81) ($142.66)
14 ($212.47) ($68.62) ($143.85)
15 ($212.47) ($67.42) ($145.05)
16 ($212.47) ($66.21) ($146.26)
17 ($212.47) ($65.00) ($147.47)
18 ($212.47) ($63.77) ($148.70)
19 ($212.47) ($62.53) ($149.94)
20 ($212.47) ($61.28) ($151.19)
21 ($212.47) ($60.02) ($152.45)
22 ($212.47) ($58.75) ($153.72)
23 ($212.47) ($57.47) ($155.00)
24 ($212.47) ($56.18) ($156.30)
25 ($212.47) ($54.87) ($157.60)
26 ($212.47) ($53.56) ($158.91)
27 ($212.47) ($52.24) ($160.24)
28 ($212.47) ($50.90) ($161.57)
29 ($212.47) ($49.55) ($162.92)
30 ($212.47) ($48.20) ($164.27)
31 ($212.47) ($46.83) ($165.64)
32 ($212.47) ($45.45) ($167.02)
33 ($212.47) ($44.05) ($168.42)
34 ($212.47) ($42.65) ($169.82)
35 ($212.47) ($41.24) ($171.23)
36 ($212.47) ($39.81) ($172.66)
37 ($212.47) ($38.37) ($174.10)
38 ($212.47) ($36.92) ($175.55)
39 ($212.47) ($35.46) ($177.01)
40 ($212.47) ($33.98) ($178.49)
41 ($212.47) ($32.49) ($179.98)
42 ($212.47) ($30.99) ($181.48)
43 ($212.47) ($29.48) ($182.99)
44 ($212.47) ($27.96) ($184.51)
45 ($212.47) ($26.42) ($186.05)
46 ($212.47) ($24.87) ($187.60)
47 ($212.47) ($23.31) ($189.17)
48 ($212.47) ($21.73) ($190.74)
49 ($212.47) ($20.14) ($192.33)
50 ($212.47) ($18.54) ($193.93)
51 ($212.47) ($16.92) ($195.55)
52 ($212.47) ($15.29) ($197.18)
53 ($212.47) ($13.65) ($198.82)
54 ($212.47) ($11.99) ($200.48)
55 ($212.47) ($10.32) ($202.15)
56 ($212.47) ($8.64) ($203.83)
57 ($212.47) ($6.94) ($205.53)
58 ($212.47) ($5.22) ($207.25)
59 ($212.47) ($3.50) ($208.97)
60 ($212.47) ($1.76) ($210.71)
($12,748.23) ($2,748.23) ($10,000.00)
\
CUMPMT CUMPRINC
-2748.226826761 -10000
Payment $150
Rate 4%
Initial Balance 500
Final Target 4,500

Total Months 25.4792171417


Start Balance $ 10,000.00
Monthly Payment 150
Final Balance $ 20,000.00
Time Duration 3

Rate 10%
Duration 3
Initial Balance $5,000
Final Balance $7,433

RRI 0.1412953369

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