Present Values

PV C r t
18181.8181818182 20000 0.1 1

Discount Factor (multiply to FV to get PV)

DF r t Future value factor (multiply to P
0.924556213 0.04 2 1.0816

Net Present Value

NPV PV investment
8181.8181818182 18181.818181818 10000

Profit
P FV PV/investment
50 60 10

rates of return
r Profit Investment
0

Present Value of multiple cash flow

PV(multiple) C1 C2 C3
26,537.89 r 6,300.00 6,300.00 6,300.00
0.06 t1 t2 t3
1 2 3

NPV(multiple) Investment PV(multiple)

10000 10000 20000

Perpetuities
r C PV
0.138 13800 100000
C r PV
8000 0.08 100000
PV C r
500000 50000 0.1

Perpetuity with delayed payment t

PV C r t (delayed)
 625000 50000 0.08 0

PV of Annuity (payment start after a time(eg. Year, month))

PVa r t Mortgage payment
736,693.4704 0.09 25 75,000.00

PV Annuities due (payment start at year 0/immediately)

PVad PVa r
802,995.8827 736693.47037114 0.09

Annual Payments (Mortgage payment)

Mortgage r t PV
129,504.5750 0.05 10 1,000,000.00

Future Value of Annuity (one time)

FVa PVa r t
112.36 100 0.06 2

Future Value of Annuity (Continous flow)

FVa Pva (continous) r t
464.1 100 0.1 4

Present Value of Annuity (Continous flow)

Pva (Continous) FV r t
20.7444286392 70 0.12 3

Effective Annual Interest rate

r (effective) r (quoted) m (times/yr)
0.045939825 0.045 12

Continuous Compounding
r (compounding) r (quoted) t
0.1051594593 0.1 1

Annuity Due (time 0, get it right away)

e value factor (multiply to PV to get FV)

C4 C5
6,300.00 6,300.00
t4 t5
4 5