ACV Financial calculator

ACV General purpose financial calculator.

Initial amountmay be positive, negative or 0
Added/withdrawn per periodmay be positive, negative or 0
Number of periods
Final valuemay be positive, negative or 0
 
Calculation type
Calculate final value
Calculate initial value
Calculate the amount added/withdrawn per period
Calculate the number of periods
Calculate the interest/growth rate
 
Interest/growth rate per period%
Percentage increase in the amount added/withdrawn, per period%
Calculate





Calculate inflation over a period (Australia)
 
Start datedd/mm/yyyy
End datedd/mm/yyyy
Calculate Inflation


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Example usage

Loans

Enter the loan amount as Initial Amount, 0 as the Final Amount, the number of years as Number of Periods and the annual interest rate as the Interest Rate.

Select Calculate the amount added/withdrawn and click on Calculate to calculate the loan repayments. This will generate an annual amount which can be divided by 12 for monthly payments, 26 for fortnightly repayments or 52 for weekly repayments.

For loans the repayment amount (added/withdrawn per period) must have the opposite sign to the initial value.


Retirement funds

Enter the initial capital as Initial Amount, a desired final value as Final Value, the number of years to draw funds from the fund as Number of Periods, the earnings rate on the investments as Interest rate per period, and if the repayments are to be increased each year to compensate for inflation, the estimated inflation rate as Percentage increase in the amount added/withdrawn per period.

Select Calculate the amount added/withdrawn per period and click Calculate to calculate the income drawn from the fund in the first year (increasing annually if an inflation rate has been entered).


Inflation, compound earnings

To calculate the future value of an amount which increases with inflation or an earnings rate, enter the initial amount as Initial amount, the annual growth rate as Interest rate per period and the number of years as Number of periods.

Select Calculate final value and click on Calculate to determine the future value.


Cash burn rate

To calculate the number of months remaining in a business that has negative cashflow, enter the current cash reserves as Initial Amount, the amount of net outflow per month as a negative number in 'Added/withdrawn per period', and select a calculation type of 'Calculate the number of periods'. Click on Calculate.


Bonds

The following example calculates the current price on a 10 year bond with a 8% coupon yield and a face value of $100, trading at a market yield of 6.5%.

Added/withdrawn per period-8
Number of periods10
Final value100
Interest/growth rate per period6.5
Calculation typeCalculate initial value

To calculate the change in price for a new interest rate, enter the new market rate in Interest/growth rate per period, select calculation type Calculate Initial value and click on Calculate.

To calculate a market yield, enter the current price in Initial value and, select calculation type Calculate the interest/growth rate and click on Calculate.