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Financial Calculator User’s Guide
3
The Time Value of Money/Amortization Application
The
Time Value of Money/Amortization
(
TVM
) application consists of three screens:
Label
Meaning
Type of Variable
Top
Screen
…
„
†
‡
ˆ
Future value
Payment
Present value
Interest rate per year
Number of payment periods
Entered or Computed
Entered or Computed
Entered or Computed
Entered or Computed
Entered or Computed
Second
Screen
Starting payment
Ending payment
Starting payment
Ending payment
Balance
Principal paid
Interest paid
Entered
Entered
Computed
Computed
Computed
Third
Screen
Œ
‹
Payments/year
Compounds/year
‰
Š
Decimal place
Annual percentage rate
Annual effective rate
Number of payments per year
Number of compounds per year
Beginning-of-period payments
End-of-period payments
Number of decimal places
Setting
Setting
Entered
Entered
Setting
Setting
Setting
Financial-TVM Components
On the first screen you must enter at least three variables to solve for the other
unknowns. Use the first screen to determine a Future Value, a Payment Amount,
or the Number of Payments.
•
Enter
†
,
…
, and
„
as negative if outflows, positive if inflows.
•
Enter
‡
as the
annual
interest rate. The
TVM
worksheet automatically
divides Interest per Year by the Number of Compounding Periods per Year.
•
Many
TVM
calculations involve only three of the five variables. When solving
such a calculation, make sure the unused variables are set to zero.
•
C
on the first screen resets all fields to zero, and
Ending payment
and
Starting payment
to 1.
The second screen lets you determine the
Balance
,
Principal
paid, or
Interest
paid
based on the
Starting
and
Ending
payments as well as the data entered on the first
screen.
C
on the second screen sets
Starting payment
to 1,
Ending payment
to 1, and all
other fields on the second screen to zero.
Summary of Contents for Avigo
Page 1: ...Avigo Quick Start Guide Avigo Financial Calculator User s Guide Avigo User s Guide...
Page 28: ...Introducing Avigo 1...
Page 31: ...Setting Up Your Avigo 1...
Page 46: ...Quick Start Short Cuts 2...
Page 61: ...Planning Your Day 3...
Page 65: ...Events To Remember 4...
Page 73: ...Taming Your To Do List 5...
Page 79: ...Keeping In Contact 6...
Page 86: ...Organizing Your Data 7...
Page 92: ...Turning Your Memos Into Action 8...
Page 98: ...Facts Figures and Finances Tracking Your Expenses 9...
Page 104: ...Making Your Sketches Paint A Thousand Words 10...
Page 109: ...Making Everything Add Up 11...
Page 116: ...Additional Features 12...