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Loan Amortization Model Loan Amount 100 8 Interest Rate 8% Loan Repayment Period 6 EMI 1.75

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EMILoan Amortization ModelLoan Amount1008Interest Rate8%Loan Repayment Period6EMI1.7521.0398887343126.24
EffectiveEffective rateCompounding frequencyCompoundng periodsNominal annualEffective annualConversion back to nominalAnnually110.00%10.00%10.00%Semi-Annually210.00%10.25%10.00%Quarterly410.00%10.38%10.00%Monthly1210.00%10.47%10.00%Weekly5210.00%10.51%10.00%Daily36510.00%10.52%10.00%
Future ValueFuture value of cash flows3600AMoney Market fund5%BLong term bond fund8%CConservative common stock fund10%DAggressive common stock fund14%AmtPeriods5%8%10%14%Yearly contribution3,600350.050.080.100.14Quarterly9001400.01250.020.030.04Montly contribution3004200.00416666670.010.010.01Weekly contribution6918200.00096153850.000.000.005%8%10%14%Yearly$325,153.11$620,340.49975,687.732,496,861.73Monthly340,827.73$688,164.751,138,991.423,330,885.45Weekly$341,983.17$693,418.581,152,156.073,404,789.35
PVPresent value of cash flowsPeriodCash FlowPV112000$10,714.29210000$7,971.9438000$5,694.2446000$3,813.1154000$2,269.71$30,463.28Interest rate12%Present value of an annuityInvestment 1Investment 2Investment 3Interest rate12%Interest rate10%Interest rate8%Time(years)15Time(years)20Time (years)30Yearly investment10000Quarterly amount3000Montly Amount1000Which of the investments gives me the highest value in today's term68,108.64103,355.45136,283.49
RateFuture value5,00,000Loan25000Time period1015%Present value25000Loan21000Time116.00%
time periodLoan amount100000.00Rate12%PMT500010.7984613808
Deposit cash inflowInvestment DateNominal rate(APR)6%Deposit frequency3AnnuallyTerm(Years)10Deposits per year4Semi annuallyInitial deposit-100000Compounding frequency5QuarterlyPeriodic deposits-5000Compounds per year52MonthlyDeposit type0Effective rate per period0.0151042868WeeklyTotal periods40DailyPeriodInterest earnedCumulative interestCumulative depositTotal increaseFuture value1 1,510.43 1,510.435000 6,510.43 106,510.432 1,608.76 3,119.1910000 13,119.19 113,119.193 1,708.58 1,708.5815000 16,708.58 119,827.784 1,809.91 1,809.9120000 21,809.91 126,637.695 1,912.77 1,912.7725000 26,912.77 133,550.466 2,017.18 2,017.1830000 32,017.18 140,567.657 2,123.17 2,123.1735000 37,123.17 147,690.828 2,230.76 2,230.7640000 42,230.76 154,921.599 2,339.98 2,339.9845000 47,339.98 162,261.5710 2,450.85 2,450.8550000 52,450.85 169,712.4111 2,563.38 2,563.3855000 57,563.38 177,275.8012 2,677.62 2,677.6260000 62,677.62 184,953.4213 2,793.59 2,793.5965000 67,793.59 192,747.0114 2,911.31 2,911.3170000 72,911.31 200,658.3215 3,030.80 3,030.8075000 78,030.80 208,689.1216 3,152.10 3,152.1080000 83,152.10 216,841.2217 3,275.23 3,275.2385000 88,275.23 225,116.4518 3,400.22 3,400.2290000 93,400.22 233,516.6719 3,527.10 3,527.1095000 98,527.10 242,043.7820 3,655.90 3,655.90100000 103,655.90 250,699.6721 3,786.64 3,786.64105000 108,786.64 259,486.3122 3,919.36 3,919.36110000 113,919.36 268,405.6723 4,054.08 4,054.08115000 119,054.08 277,459.7524 4,190.83 4,190.83120000 124,190.83 286,650.5825 4,329.65 4,329.65125000 129,329.65 295,980.2326 4,470.57 4,470.57130000 134,470.57 305,450.8027 4,613.62 4,613.62135000 139,613.62 315,064.4228 4,758.82 4,758.82140000 144,758.82 324,823.2429 4,906.22 4,906.22145000 149,906.22 334,729.4630 5,055.85 5,055.85150000 155,055.85 344,785.3131 5,207.74 5,207.74155000 160,207.74 354,993.0532 5,361.92 5,361.92160000 165,361.92 365,354.9733 5,518.43 5,518.43165000 170,518.43 375,873.3934 5,677.30 5,677.30170000 175,677.30 386,550.6935 5,838.57 5,838.57175000 180,838.57 397,389.2636 6,002.28 6,002.28180000 186,002.28 408,391.5537 6,168.46 6,168.46185000 191,168.46 419,560.0138 6,337.15 6,337.15190000 196,337.15 430,897.1639 6,508.39 6,508.39195000 201,508.39 442,405.5640 6,682.22 6,682.22200000 206,682.22 454,087.780 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 0.00 0.000 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InflationTaking inflation into accountInterest rate(annual)8%Term(years)10Deposit per month-1000Initial deposit-100000Deposit type0Futive value 404,910.06Inflation rate5% 248,579.65
XNPVPeriodCash flow0-100001/1/11120006/1/11225001/5/12330007/7/124250012/25/12520001/21/13Anticipated Return0.12245.188927204cost Borrowing10%
Home loanPeriodCash FlowsIRROpening BalanceEMIInterestPrincipal RepaidClosing Balance0-247,5001.89%Col ACol BC=0.0189*Col ACol D=Col B- Col CA-D112,917-247,500-12,917-4,667-8,250-239,250-1212,917-239,250-12,917-4,511-8,405-230,845312,917-230,845-12,917-4,353-8,564-222,281412,917-222,281-12,917-4,191-8,725-213,556512,917-213,556-12,917-4,027-8,890-204,666612,917-204,666-12,917-3,859-9,057-195,609712,917-195,609-12,917-3,688-9,228-186,380812,917-186,380-12,917-3,514-9,402-176,978912,917-176,978-12,917-3,337-9,580-167,3991012,917-167,399-12,917-3,157-9,760-157,6391112,917-157,639-12,917-2,972-9,944-147,6941212,917-147,694-12,917-2,785-10,132-137,5631312,917-137,563-12,917-2,594-10,323-127,2401412,917-127,240-12,917-2,399-10,517-116,7221512,917-116,722-12,917-2,201-10,716-106,0071612,917-106,007-12,917-1,999-10,918-95,0891712,917-95,089-12,917-1,793-11,124-83,9651812,917-83,965-12,917-1,583-11,333-72,6321912,917-72,632-12,917-1,370-11,547-61,0852012,917-61,085-12,917-1,152-11,765-49,3202112,917-49,320-12,917-930-11,987-37,3332212,917-37,333-12,917-704-12,213-25,1212312,917-25,121-12,917-474-12,443-12,6782412,917-12,678-12,917-239-12,6780Annual IRR25.1%
asit:Formula in cell C2 is "=IRR(B2:B26,0.01)"
asit:Formula in cell E28 is "=(1+ cell C2)^12 - 1"