! The Compound Interest Functions:

Spread Sheet with Compound Interest Functions cifns >>> Using cifns.xlr .

Note: Functions below are coded in JScript. You may do (+ - * /) arithmetic or use M.fns in the data entry boxes of the following! ; You may move from box to box with the [Tab key]

The most useful Functions: ( Blank JScript calculator)

1.     NPV, Net Present Value of various payments at various times. Also called Discounted Cash Flow (DCF)

2.     NFV, Net Future Value of various payments at various times. Invested Cash Flow (ICF)

3.     ROR, Internal Rate of Return (IRR) of a series of + and - payments

4.     NOP, Breakeven and Number of Periods functions

5.     EPC, The Equivalent Period Cost ( first cost - PV of salvage) converted to equivalent A. )

For other than straight forward applications care must be exercised to use appropiate + and - values for costs and salvage.

The EPC Equivalent Period Cost function calculates the effect of the Salvage Value on the capital recovery costs by deducting the present value of the Salvage Value form the net first cost of an asset.

ROR can also be used to find equivalent period investment yields when the face value of an instrument is deferred to time n.

The traditional functions:

The basic Single Payment Functions:

1.     P/F , Single Payment Present Value.

2.     F/P, Single Payment Capital Accuulating.

(inverse of P/F, the single payment Present Value Function)

3.     cfpvf , single payment continuous flow Present Value.

4.     cfcaf , single payment continuous flow Capital accumulating.

The two functions below determine the amount of each payment A of an equal payment series are:

1.     A/P, the Capital Recovery Function, or CRF

2.     A/F, the Sinking Fund Function, or SFF

The functions to determine the Present or Future Value given A the equal payment amount of a series:

1.     P/A, the Present value of a series A (inverse of the capital recovery function)

2.     F/A, the Future value of a series A (the inverse of the sinking fund function)

 

In some cases it is expedient to consider the compounding to be CONTINUOUS, rather than discrete. Information on continuous compounding functions: CCFNS

 

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End to date: 051105, ams