Future Value of a series of deposits
The total amount you'll have at the end after depositing a fixed amount each year for a number of years at a specific interest rate, calculated using the formula: FV = PMT * [((1 + r)^n - 1) / r]
.
Total Interest Earned
The amount obtained by subtracting the total amount deposited from the future value.
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Future Value of a series of deposits
The total amount you'll have at the end after depositing a fixed amount each year for a number of years at a specific interest rate, calculated using the formula: FV = PMT * [((1 + r)^n - 1) / r]
.
Total Interest Earned
The amount obtained by subtracting the total amount deposited from the future value.
Future Value of a Lump Sum
The future value of a single deposit left untouched, calculated with compound interest using the formula: FV = PV * (1 + r)^n
.
Simple Interest
Interest calculated on the principal amount only, not on the interest accrued.
Present Value Calculations
Calculating the present value of future income streams, for a finite period (annuity) or to cover inheritances.
Effective Annual Rate (EAR)
The interest rate that is adjusted for compounding over a given period, calculated using the formula: EAR = (1 + (Nominal rate / m))^m - 1
, where m is the number of compounding periods per year.
Total Return
The overall gain or loss made on an investment over a specified period.
Annual Return
The percentage gain or loss on an investment over a year.
Loan Payments
The process of calculating monthly payments required to repay a loan.
Future Value
The value of an investment at a specified date in the future, calculated using the formula: FV = PV * (1 + r)^n
.
Future Value of an Annuity
The future value of a series of equal payments made at regular intervals, calculated using the formula: FV = PMT * [((1 + r)^n - 1) / r]
.
Present Value
The current worth of a future sum of money or stream of cash flows given a specified rate of return, calculated using the formula: PV = FV / (1 + r)^n
.
Present Value of an Annuity
The present value of a series of equal payments made at regular intervals, calculated using the formula: PVA = PMT * [(1 / r) - (1 / (r(1 + r)^n))]
.