How to Calculate an Outstanding Loan Balance

As regular payments will clear a loan balance over the term, the present value (PV) of the payments must be equal to the value of the loan. It follows that the remaining balance on an loan can be calculated by calculating the present value (PV) of the outstanding loan repayments.

Last modified November 6th, 2016 by Michael Brown
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Present Value of a Growing Annuity Formula

The present value of a growing annuity formula is used to calculate the present value of a series of periodic payments which increase at a constant rate each period. The payments made at the end of each period, and a discount rate i% is applied.

Last modified November 6th, 2016 by Michael Brown
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Excel PV Function

The Excel PV function is one of many Excel financial functions, and can be used to calculate the present value in excel of a lump sum, an annuity, or an annuity due. It has the syntax PV (Rate, Nper, Pmt, FV, Type).

Last modified October 18th, 2018 by Michael Brown
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Excel RATE Function

The Excel RATE function is used to calculate the discount rate (i) in time value of money calculations. For example, it can calculate the interest rate on a loan given the value of the loan, the term and the periodic payments, it can be used to calculate the interest rate earned on a savings account, or the interest rate needed to generate annuity payments from a lump sum investment.

Last modified November 6th, 2016 by Michael Brown
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Excel FV Function

The Excel FV function is one of many Excel financial functions, and can be used to calculate the present value in excel of a lump sum, an annuity, or an annuity due. It has the syntax FV (Rate, Nper, Pmt, PV, Type).

Last modified November 6th, 2016 by Michael Brown
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Excel NPER Function

The Excel NPER function is one of many Excel financial functions, and can be used to calculate the number of periods for a lump sum, annuity or annuity due to grow to a future value. In addition the function can also be used to calculate the number of periods it takes for a loan to be repaid.

Last modified November 6th, 2016 by Michael Brown
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Excel PMT Function

The Excel PMT function is used to calculate the payment (Pmt) in time value of money calculations. For example, it can calculate the payments needed to clear a loan balance, the deposits to a savings account to grow to a future value, or annuity and annuity due payments from a lump sum investment.

Last modified November 6th, 2016 by Michael Brown
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Annuity Payment Formula FV

This annuity payment formula FV calculates the annuity payment required to provide a given future value FV. The annuity formula assumes payments are made at the end of each period for n periods, and a discount rate i is applied.

Last modified November 6th, 2016 by Michael Brown
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Future Value of a Growing Annuity Calculator

The future value of a growing annuity calculator is used to calculate what a cash sum growing at a constant rate g, received at the end of each period for n periods is worth at the end of period n, allowing for a discount rate i.

Last modified November 6th, 2016 by Michael Brown
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Annuity Payment Formula PV

This annuity payment formula PV calculates the annuity payment required to provide a given value today PV (present value). The annuity formula assumes payments are made at the end of each period for n periods, and a discount rate i is applied.

Last modified November 6th, 2016 by Michael Brown
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Future Value Annuity Formula

The future value of an annuity formula is used to calculate the future value of a series of periodic payments. The payments are for the same amount, made at the end of each period, and a discount rate i% is applied.

Last modified November 6th, 2016 by Michael Brown
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