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Financial Calculators


Financial Formulas

Simple Interest Future Value

FV = PV * (1 + ( i * N ) ]

FV – future value (or maturity value)
PV – principal or present value
i – interest rate per period
N – number of periods

Simple Interest

I = PV * i * N

PV – principal or present value
i – interest rate per period
N – number of periods

Compound Interest Future Value

FV = PV * ( 1 + i )N

PV = present value
FV = future value (maturity value)
i = interest rate in percent per period
N = number of periods

Compounded Interest

i = FV – PV

PV = present value
FV = future value (maturity value)
i = interest rate in percent per period

Annuity

FV = PMT * [ ( ( 1 + i )N – 1 ) / i ]

FV = future value (maturity value)
PMT = payment per period
i = interest rate in percent per period
N = number of periods

Simple Interest Amortized Loan Formula

PV * ( 1 + i )N = PMT * [ ( 1 + i )N – 1 ] / i

PMT = the payment per period
i = interest rate in percent per period
PV = loan / mortgage amount
N = number of periods

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For the following topics, see this link http://www.stgeorge.com.au/calculators/

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Comparison Rates Personal Loan comparison rate tables
Repayments calculator Personal Loan Repayment Calculator

Sources:

Australian Government. 2009. Personal Finance. Retrieved July 07th, 2009 from http://www.australia.gov.au/topics/economy-money-and-tax/personal-finance

Commonwealth Bank of Australia. 2009. Tools & Calculators (personal finance). Retrieved July 07th, 2009 from http://www.commbank.com.au/personal/tools-calculators/#Budgetingandsaving

X INC Finance Brokers. 2009. Budgeting and Saving (diagram). Retrieved July 07th, 2009 from http://www.xinc.net.au/calculators/household_budget.html

Stgeorge Bank. 2009. Calculators. Retrieved July 07th, 2009 from http://www.stgeorge.com.au/calculators/

Kbapps.com. 2009. Financial Formulas. Retrieved July 07th, 2009 from http://kbapps.com/finance.html

TeachMeFinance.com. 2009. Basic Financial Concepts. Retrieved July 07th, 2009 from http://www.teachmefinance.com/

Wheatworks Software. 2007. Financial Formulas and Financial Equations. Retrieved July 07th, 2009 from http://www.math4finance.com/financial-formulas.php

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Financial Formulas

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