Time value of money and financial calculator tutorials
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Time value of money and financial calculator tutorials
Excel (and other spreadsheet programs) is the greatest financial calculator ever made. There is more of a learning curve than a regular financial calculator, but it is much more powerful. This tutorial will demonstrate how to use Excel’s financial functions to handle basic time value of money problems using the same examples as in the calculator tutorials. I will keep…
In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums. In this section we will take a look at how to use the HP 12C to calculate the present and future values of regular annuities and annuities due. A regular annuity is…
The HP 12C is a fairly easy to use financial calculator that will serve you well in all finance courses. Actually, its very easy if you already know RPN (reverse polish notation — a much better way to enter data into a calculator than the algebraic method that you are probably familiar with). This tutorial will demonstrate how to use…
Uneven Cash Flows In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and annuities. In this section we will take a look at how to use the HP 20b to calculate the present and future values of uneven cash flow streams.…
In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums. In this section we will take a look at how to use the HP 20b to calculate the present and future values of regular annuities and annuities due. A regular annuity is…
The Hewlett Packard 20b Business Consultant is an easy to use, and inexpensive, financial calculator that will serve you well in all finance courses. This tutorial will demonstrate how to use the financial functions to handle time value of money problems and make financial math easy. I will keep the examples rather elementary, but understanding the basics is all that…
In recent years, bond issuers have changed from the traditional call schedule to a “make-whole” type of call. Generally, this is good for investors as it makes it less likely that high interest bonds will be called. If it is called, then they are “made whole” because they are paid the present value of the remaining cash flows. In a…
A bond is a debt instrument, usually tradable, that represents a debt owed by the issuer to the owner of the bond. Most commonly, bonds are promises to pay a fixed rate of interest for a number of years, and then to repay the principal on the maturity date. In the U.S. bonds typically pay interest every six months (semi-annually),…
Uneven Cash Flow Streams In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and regular annuities. In this section we will take a look at how to use the TI 84 Plus to calculate the present and future values of uneven…
Part 2 of a TI-83 calculator tutorial on calculating money value over time. It covers how to find present and future values of annuities (regular payments) and lump sums using the built-in TVM Solver app. The tutorial explains different annuity types (regular and due) and how to solve for missing variables like payment amount, interest rate, or number of periods. It also touches on perpetuities (infinite payments) and how to approximate their present value with the calculator.
This is the first part of a TI-83 calculator tutorial on performing time value of money calculations. It covers finding future and present values of lump sums using the built-in TVM Solver app. The tutorial explains how to enter data considering the calculator's cash flow sign convention and solve for missing variables like the number of periods or interest rate. It also teaches how to adjust the calculator's decimal places for better viewing.
In this tutorial we will see how to amortize a fixed-rate loan using the TI BAII Plus Professional calculator from Texas Instruments. Specifically, we will see how to calculate the amount of principal and interest for any particular payment, or range of payments. For example, you may wish to know how much your principal or interest payments will be for…
In this tutorial we will see how to amortize a fixed-rate loan using the TI BAII Plus calculator from Texas Instruments. Specifically, we will see how to calculate the amount of principal and interest for any particular payment, or range of payments. For example, you may wish to know how much your principal or interest payments will be for the…
Strictly speaking, an annuity is a series of equal cash flows, equally spaced in time. However, a graduated annuity (also called a growing annuity) is one in which the cash flows are not all the same, instead they are growing at a constant rate (any other series of cash flows is an uneven cash flow stream). So, the two types…
The article explains the concept of a "make-whole" call provision in bonds, highlighting its benefits for both investors and issuers. Unlike traditional call provisions that offer face value plus a small premium, make-whole calls ensure investors receive the present value of remaining cash flows, calculated using a discount rate tied to a comparable Treasury security. This provision provides issuers flexibility without paying a call premium. The article demonstrates three methods to calculate the make-whole price using a TI BAII Plus financial calculator, ensuring that investors are fairly compensated if the bond is called early.