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FINBUSF Formulas

The document provides calculations for various financial concepts including Future Value, Annual Percentage Yield (APY), Present Value, and Amortization. It includes specific examples with given values, formulas, and final answers for each calculation. Additionally, it outlines the amortization table for a loan, detailing payments, interest, and outstanding balances over time.

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starguardianlux123
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24 views14 pages

FINBUSF Formulas

The document provides calculations for various financial concepts including Future Value, Annual Percentage Yield (APY), Present Value, and Amortization. It includes specific examples with given values, formulas, and final answers for each calculation. Additionally, it outlines the amortization table for a loan, detailing payments, interest, and outstanding balances over time.

Uploaded by

starguardianlux123
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

1.

FUTURE VALUE
PV 80.00
rate 0.04
term 4

1.16985856

FUTURE VALUE 93.59 << ANSWER

NOTE: Input the given information in the highlighted COLORED "ORANGE" field

2. ANNUAL PERCENTAGE YIELD( APY)


FV 108.83
PRINCIPAL 80
TERM 4

Interest 28.83

7.21 Interest per year

APY 0.09 << ANSWER


9.0% << ANSWER

NOTE: Input the given information in the highlighted COLORED "ORANGE" field
3. PRESENT VALUE
FV
rate
term

ANSWER PRESENT VALUE

RED "ORANGE" field NOTE: Input the given information in the highligh

erest per year

ANSWER
ANSWER

RED "ORANGE" field


VALUE
93.59
0.04
4

1.17

80.00 << ANSWER

information in the highlighted COLORED "ORANGE" field


FUTURE VALUE OF Ordinary Annuity
PMT 12,500.00
rate 0.12
term 20

72.05244244

FUTURE VALUE 900,655.53

NOTE: Input the given information in the highlighted COLORED "ORANGE" field
<< ANSWER

ORED "ORANGE" field


FUTURE VALUE OF Annuity DUE
PMT 3,000.00
rate 0.08
term 3

3.506112

FUTURE VALUE[Due] 10,518.34

NOTE: Input the given information in the highlighted COLORED "ORANGE" field
<< ANSWER

ED "ORANGE" field
PRESENT VALUE OF Ordinary Annuity
PMT 35,000.00
rate 0.08
term 5

0.319416803
3.992710037
PV 139,744.85
12,000

morton
40,000
139,744.85
179,744.85

NOTE: Input the given information in the highlighted COLORED "ORANGE" field
Annuity

<< ANSWER

flyn
25,000
151,722.98
176,722.98

LORED "ORANGE" field


SINKING FUND PAYMENT
FV 60,000
rate 0.1
term 18

6000
4.559917313
SINKING FUND 1,315.81
FVoa i
Sinking fund payment 
1  i
n
1

NOTE: Input the given information in the highlighted CO


<<< ANSWER

e highlighted COLORED "ORANGE" field


AMORTIZATION
Amount 15,000
rate 0.02
term 12

10.57534122
Amort 1,418.3939 <<< ANSWER

AMORTIZATION TABLE

PERIOD

1
2
3
4
5
6
7
8
9
10
11
12
NSWER

AMORTIZATION TABLE
Outstanding Interest Principal Balance
Balance (Beginning) Payment Payment Payment or Ending Value
1 2 3 4 5
=Column (1)x interest =column(2)-(3) =column(1) minus col(4)
15,000 1,418.3939 300.0000 1,118.39 13,881.61
13,881.61 1,418.3939 277.6321 1,140.76 12,740.84
12,740.84 1,418.3939 254.8169 1,163.58 11,577.27
11,577.27 1,418.3939 231.5453 1,186.85 10,390.42
10,390.42 1,418.3939 207.8084 1,210.59 9,179.83
9,179.83 1,418.3939 183.5967 1,234.80 7,945.04
7,945.04 1,418.3939 158.9007 1,259.49 6,685.54
6,685.54 1,418.3939 133.7109 1,284.68 5,400.86
5,400.86 1,418.3939 108.0172 1,310.38 4,090.48
4,090.48 1,418.3939 81.8097 1,336.58 2,753.90
2,753.90 1,418.3939 55.0780 1,363.32 1,390.58
1,390.58 1,418.3939 27.8117 1,390.58 0.00
minus col(4)

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