All versions of TValue amortization software will handle variable rate loans. Normally, loan payments change as the rates change and the term stays the same. Here is a simple calculation to show you the process for doing rate changes in TValue.

As has been similarly communicated by other leading firms during this extraordinary time of COVID-19, we wanted to let you know that TimeValue Software has comprehensive plans in place to ensure the continuity and uptime of our products, and resiliency and availability of our operations.

The imputed interest rate is an unstated interest rate and it can cover many different scenarios. To calculate an imputed interest rate, you need to input the actual cash flows and then you can solve for the interest rate.

The present value and the net present value are essentially the same calculation. As the example below shows, the difference has to do with whether there is a starting balance or not.

The magic of compounding can work to your advantage when it comes to your investments and can be a potent factor in wealth creation. While simple and compound interest are basic financial concepts, becoming thoroughly familiar with them will help you make better decisions when taking out a loan or making an investment, which may save you thousands of dollars over the long term.  When investing, compounding is critical. You'll start earning interest on your initial deposit and you'll earn interest on the interest you just earned.