Annuities – Present Value and Future Value

Annuities are defined as a stream of payments made over time. Use this tutorial to learn how to solve present and future value of annuity problems with financial calculators or spreadsheet functions. Continue reading

Present Value: Bottomless Worksheet

Get endless time value of money, discounting to find present value, practice problems with this Bottomless Worksheet. Calculate present value from future value, number of periods, and interest rate. At a button-click it creates ten more problems for you to solve, complete with printed copy and answer sheet. Continue reading

Present Value

This Flash tutorial walks you through the steps to calculate present value from the future value, interest rate, and number of maturity periods. You can enter your own values, too. Understanding discounting of future values to determine present value is a key concept in understanding the time value of money. The formula for calculating present value is shown here step by step. Continue reading

Future Value of an Annuity Due

Calculate the Future Value of an Annuity Due with a step by step example using your values for the periodic interest rate, number of periods, and periodic payment amount. Continue reading

Future Value of an Ordinary Annuity

Calculate the Future Value of an Ordinary Annuity with a step by step example using your values for the periodic interest rate, number of periods, and periodic payment amount. Continue reading

Discounting Future Value

Discounting the future value is the process of figuring out what that future value is in present-day money. Use this tutorial to learn how to calculate the discounted future value given the future value, periodic interest rate, and number of periods. Continue reading

Calculating Future Value

Future value is a term given to the amount of money we would have at some point in the future, based on what happens between now and then. Use this tutorial to learn how to calculate the future value of an annuity given the present value, periodic interest rate, and number of periods. Continue reading

Study Sheet of Dividend/Market Value Ratios

Use this printable Smartacus Study Sheet to learn about the Dividend Payout Ratio, Dividend Yield Ratio, and Price to Earnings or PE Ratio. Continue reading

About Interest Rates and the Time Value of Money

Interest rates are key to understanding the Time Value of Money. This tutorial covers the relevant terminology, including APR, APY, and the yield curve. Continue reading

Compound Interest: Bottomless Worksheet

Use this Bottomless Worksheet to get endless practice on Time Value of Money calculations of compound interest from the principal (or present value), number of periods, and interest rate. Ten new problems to solve, a printed copy, and an answer sheet are all only a click away. Continue reading