Finance Summary Calculator

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Principal-Interest-Time Formulas

Simple Interest → A = Prt
Compound Interest → A = P(1 + r)^t
Continuous Interest → A = Pe^rt

Annuities

An annuity is a stream of level payments over the course of a specified time.

Present Value of an Annuity Immediate (Payments at the end of a period:

an|i  =	Payment * (1 - vn)
	i

v  =	1
	1 + i

Present Value of an Annuity Due (Payments at the beginning of a period:

än|d  =	Payment * (1 - vn)
	d

d  =	i
	1 + i

Accumulated Value of an Annuity Immediate (Payments at the end of a period:

sn|i  =	Payment * ((1 + i)n - 1)
	i

Accumulated Value of an Annuity Due (Payments at the beginning of a period:

sn|d  =	Payment * ((1 + i)n - 1)
	d

Perpetuity

An perpetuity is an infinite stream of level payments

Present Value of a Perpetuity Immediate  =	Payment
	i

Present Value of a Perpetuity Due  =	Payment
	d

Depreciation Summary
Method	Depreciation Dt	Book Value Bt
Straight Line	A - S N	(1-Time/N) * Asset Value + Salvage Value * Time / N
Sum of the Years Digits	(A - S) * (N - t + 1) Σ 1st n integers	Bt    = S +    Σ first (n - t) integers * (A - S) Σ first n integers
Declining Balance	d * A * (1-d)(t-1) where d = 1 - (A/S)1/n	A x (1 - d)t
Sinking Fund	(A - S) x (1 + j)(t - 1) sn|j	Bt    = A -    (A - S) x st|j sn|j

Weighted Average Cost of Capital (WACC) and Capital Asset Pricing Model (CAPM)
r_e = r_f + Β(r_m - r_f)
WACC = r_D * (1 - T)*(Debt%)+ r_E*(Equity Percentage)