TVM Calculator; Currency Converter. For Android phone/tablet, iPhone/iPad, and financial calculators on the web. They are all free! For Android phone/tablet. Tvm calculator time value of money free download - Time Value of Money Calculator, TVM: Time Value of Money, Financial Calculator, Time Value Of Money, and many more programs.
You can now play TVM Calculator for PC on a desktop/laptop running Windows XP, Windows 7, Windows 8, Windows 8.1, Windows 10 and MacOS/OS X. This can easily be done with the help of BlueStacks or Andy OS Android emulator.
Time Value of Money Calculator – After using TVM app calculators we decided to create a calculator that is beginner friendly when calculating you payments of loans, how much to withdraw from retirement account until the account reaches a certain amount or when you want to find out if the student loan you just payed off really had the interest rate it was stated to have.
When you calculate regular payments in this calculator, you should use all positive numbers!
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How to download and run TVM Calculator on your PC and Mac
TVM Calculator For PC can be easily installed and used on a desktop computer or laptop running Windows XP, Windows 7, Windows 8, Windows 8.1, Windows 10 and a Macbook, iMac running Mac OS X. This will be done using an Android emulator. To install TVM Calculator For PC, we will use BlueStacks app player. The method listed below is set to help you get TVM Calculator For PC. Go ahead and get it done now.
Download and use TVM Calculator on your PC & Mac using an Android Emulator.
Download Links For TVM Calculator:
Download: Bluestacks Android Emulator
Download: TVM Calculator (Play Store)
Download: TVM Calculator (Play Store)
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Step to Step Guide / TVM Calculator For PC:
- As you have Downloaded and Installed Bluestacks Emulator, from Links which are provided above.
- Now, After the installation, configure it and add your Google account.
- Once everything is done, just open the Market in Play Store and Search for the ‘TVM Calculator’.
- Tap the first result and tap install.
- Once the installation is over, Tap the App icon in Menu to start playing.
- That’s all Enjoy!
TVM Calculator by Huni Hunfjord,
See App in Play Store
See App in Play Store
Also Read: ITW Balance 4 EPPICARD For PC / Windows 7/8/10 / Mac – Free Download
That would be all from our side. In case you have got any queries or you have any issue following the guide, do let me know by leaving your thoughts in the comments section below.
That would be all from our side. In case you have got any queries or you have any issue following the guide, do let me know by leaving your thoughts in the comments section below.
How does this Time Value of Money calculator work?
This finance calculator can solve for any unknown variable in a financial problem as explained below and to do so the user has to left blank ONLY one field.
Depending on the TVM calculation type, the algorithm behind this time value of money calculator applies these formulas:
- Estimating the present value (PV) by this equation:
- Forecasting the future value (FV) by this formula:
- Determining the Nominal Interest rate (IR) and No. of periods which are obtained from this equation:
- Calculating the Payment (PMT) by this formula:
Please take account of the fact that the no. of periods and nominal interest rate are extracted by using the Newton-Raphson method.
Where:
PV = present value / starting or initial amount invested or deposited.
FV= future value expected.
IR = interest rate per period. Free windows 10 cloud download. Please remember that the effective rate per period should refer to the time unit you consider in the No. of periods fields. For instance in case the no. of periods are considered to be months, then the interest rate per period should be monthly too.
NP = (No. of periods*CP)
Download web browser for android tablet 2017. k = is equal to 1 in case the Payment/Investment moment is ”End of period”; OR k = (1 + IR / (100 * CP) ) if the payment takes place at the “Beginning of period”.
CP is the coefficient for each compounding frequency:
- If Annually then CP = 1
- If Semiannually then CP = 2
- If Quarterly then CP = 4
- If Monthly then CP = 12
- If Weekly then CP = 54
What is a TVM problem?
In finance, a TVM problem is a one that requires solving for an unknown variable out of several ones as presented here:
- Figure out the present value (initial investment) based on a given FV, PMT, IR, CP and NP;
- Determine a future value of a PV and a series of PMTs based on a PV, PMT, IR, CP and NP;
- Figure out how much to invest regulalry (PMT) considering a PV, FV, IR, CP and NP;
- Estimate the interest rate an investment/deposit or savings account will generate by considering the starting investment amount (PV), FV it generates, NP and CP;
- Calculate the number of periods an investment will require to reach a certain amount by taking account of a PV, FV, PMT, IR and CP.
Example of time value of money calculations
Scenario 1 FV: How much you will end up in a savings account with regular contributions?
Someone makes an initial deposit of $10,000 (PV), then he makes regular contributions of $1,000 (PMT) on a monthly basis at the beginning of each month over the next 5 years ( NP = 60 months). What will be the ending balance of his savings account in case the interest rate per month is considered 0.4%, compounded monthly?
Answer: Future Value (FV) = $70,816.00
Scenario 2 PV: How much to invest initially to reach a certain amount in account at the end?
An individual is willing to contribute at the beginning of each month with $500 (PMT) over the next 10 years (NP = 120 months) in order to reach a savings goal of $150,000 for his retirement. The question is how much should he deposit initially in case the interest rate per month is considered to be 0.35%, compounded monthly?
Answer: Present Value (PV) = $85,870.66
Scenario 3 PMT: How much to save regularly to achieve your savings goal in a given period of time?
An individual deposits initially an amount of $5,000 and is willing to make contributions to his savings account at the end of each year over the next 15 years (NP = 15) in order to reach before retirement an amount of $100,000. The question if how much will he need to deposit yearly in case the annual interest rate is considered to be 4.5%, compounded annually?
Answer: Payment (PMT) = $2,949.10
Scenario 4 NP: How much time to invest to reach your goal?
Tvm Calculations Examples
Assuming someone makes and initial deposit of $100,000 (PV) and that is available to contribute at the beginning of each year with $5,000, the question is how many years will he need to keep saving in order to end up in account with $250,000 in case the yearly interest rate is considered to be 3.95% compounded semi-annually?
Answer: No. of periods: 18 with Semiannually compounding frequency.
Scenario 5 IR: What interest/return rate should an investment generate in order to reach certain future value?
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Let’s consider that an individual deposits initially $100,000 and that he makes at the end of each year an additional contribution of $5,000 over the next 20 years. How much should the annual rate of return on his investment should be in order to end up in account with $500,000?
Answer: Nominal interest rate (IR) = 5.94%.
07 Apr, 2015