Financial Calculator

THE ULTIMATE FINANCIAL CALCULATOR
Main Menu
Investment Valuation
Rates of Return
Financial Statements
Capital Budgeting
Time Value of Money
Loans and Leasing
File: 312340879.xls
Copyright 1997 KMT Software, Inc. All Rights Reserved.
Copyright 1997 KMT Software, Inc.
Printed: 04/05/2016
Investment Valuation
Basic Bond Valuation
Price Earning Multiple
Book Value
Constant Growth
Liquidation Value
Click a button above to select a Calculator worksheet.
File: 312340879.xls
Printed: 04/05/2016
File: 312340879.xls
Printed: 04/05/2016
Financial Statements
Liquidity Analysis
Debt Ratios
Activity Ratios
Profitability Ratios
File: 312340879.xls
Printed: 04/05/2016
File: 312340879.xls
Printed: 04/05/2016
Time Value of Money

PV - Single Amount
FV - Single Amount
PV - Mixed Stream
FV - Annuity
PV - Annuity
Deposits to a Sum
File: 312340879.xls
Printed: 04/05/2016
File: 312340879.xls
Printed: 04/05/2016
Rates of Return
Rate to Meet a Goal
Taxable Equivalent Rate
Real Rate of Return
Effective Annual Rate
Holding Period Return
Yield to Maturity
After Tax Return
Expected Return (CAPM)
File: 312340879.xls
Printed: 04/05/2016
File: 312340879.xls
Printed: 04/05/2016
Capital Budgeting
Net Present Value
Annualized Net Present Value
Internal Rate of Return
Initial Investment
Payback Period
File: 312340879.xls
Printed: 04/05/2016
File: 312340879.xls
Printed: 04/05/2016
Loans and Leasing

Car Lease Payment
Refinance Calculator
Affordable Auto
Balloon Payment Loan
Simple Interest Loan
Bi-Weekly Loan
Add-On Interest Loan
Home Mortgage Affordability
Loan Pay-off Amount
Home Eq. Loan Affordability
Loan Consolidation
Personal Debt Safety Ratio
File: 312340879.xls
Printed: 04/05/2016
BS01
Basic Bond Valuation
Par Value of the Bond

Years to Maturity
Required Rate of Return
Coupon Rate of Bond
Payment of interest:
Annual Semi-annual
$1,000
10
12.000%
10.000%
Value of the bond is:
$887.00
DESCRIPTION
Use this worksheet to determine the value of a bond. If the
bond pays interest on a semi-annual basis (twice per year),
be sure to select the semi-annual option button.
File: 312340879.xls
Printed: 04/05/2016
BS02
Book Value
Total Assets
Total Liabilities
Number of Common Shares Outstanding
l
The book value per share is:
$6,000,000
$4,500,000
100,000
$15.00
DESCRIPTION
Book value per share is the amount per common share
that would be received if all the firm's assets are sold for their
exact book (accounting) value and if the proceeds remaining
after all liabilities (and preferred stock) are satisfied are then
divided among the common stockholders.
File: 312340879.xls
Printed: 04/05/2016
BS03
Liquidation Value
Liquidation Value of Assets
Total Liabilities
Book Value of Preferred Stock
Number of Common Shares Outstanding
l
The liquidation value per share is:
$5,250,000
$4,500,000
$0
100,000
$7.50
DESCRIPTION
The liquidation value per share is the amount per common
share that common stockholders will receive upon liquidation
(selling off of assets) of the company. The calculation assumes
payment of all liabilities and preferred stock.
File: 312340879.xls
Printed: 04/05/2016
BS04
Price/Earnings (P/E) Multiple

Average P/E Ratio for Firms in the Industry
Earnings per Share
l
The value per share is:
7.0
$2.60
$18.20
DESCRIPTION
The price/earnings multiple approach uses an average P/E ratio
to find a quick estimate of a company's value per common
share of stock.
File: 312340879.xls
Printed: 04/05/2016
BS05
Constant Growth
Estimated Dividend per Share

Expected Annual Growth Rate of Dividends
Investor's Required Rate of Return
$1.50
7.00%
15.00%
The value per share is:
$18.75
DESCRIPTION
The constant growth model assumes that dividends will grow
at a constant annual rate.
File: 312340879.xls
Printed: 04/05/2016
FS02
Liquidity Analysis and Ratios

Net Working Capital
Current Assets
Current Liabilities
The net working capital is:
Current Ratio
Current Assets
Current Liabilities
$1,223,000
$620,000
$603,000
$1,223,000
$620,000
The current ratio is:

Quick Ratio
Current Assets
Inventory
Current Liabilities
l
1.97
$1,223,000
$289,000
$620,000
The quick ratio is:
1.51
DESCRIPTION
Liquidity refers to the ease with which a firm can pay its bills.
The three basic measures of liquidity are net working capital,
the current ratio, and the quick (acid-test) ratio.
File: 312340879.xls
Printed: 04/05/2016
FS03
Activity Ratios
Inventory Turnover
Cost of Goods Sold
Inventory
$2,088,000
$289,000
The inventory turnover is:
7.22
Average Collection Period

Accounts Receivable
Annual Sales
$503,000
$3,074,000
58.91
The average collection period is:

Fixed Asset Turnover
Sales
Net Fixed Assets
$3,074,000
$2,374,000
1.29
The fixed asset turnover is:

Total Asset Turnover
Sales
Total Assets
l
$3,074,000
$3,597,000
The total asset turnover is:
0.85
DESCRIPTION
Activity ratios are used to measure the speed at which various
accounts are converted into sales or cash.
File: 312340879.xls
Printed: 04/05/2016
FS04
Debt Ratios
Debt Ratio
Total Liabilities
Total Assets
$1,643,000
$3,597,000
45.7%
The debt ratio is:

Debt-equity Ratio
Long-term debt
Stockholders' Equity
$1,023,000
$1,954,000
52.4%
The debt-equity ratio is:

Times Interest Earned
Earnings Before Interest and Taxes
Interest Expense
$418,000
$93,000
4.5
The times interest earned ratio is:

Fixed-payment Coverage Ratio
Earnings Before Interest and Taxes
Interest Expense
Principal Payments
Lease Payments
Total Preferred Dividends
Tax Rate
l
$418,000
$93,000
$71,000
$35,000
$10,000
29%
The fixed-payment coverage ratio is:
1.87
DESCRIPTION
The debt ratios measure the degree of indebtedness and the
company's ability to pay debts.
File: 312340879.xls
Printed: 04/05/2016
FS05
Profitability Ratios
Gross Profit Margin
Sales
Cost of Goods Sold
The gross profit margin is:
Operating Profit Margin
Operating profit
Sales
The operating profit margin is:
Net Profit Margin
Net Profits After Taxes
Sales
32.1%
$418,000
$3,074,000
13.6%
$231,000
$3,074,000
The net profit margin is:
7.5%
Return on Assets (ROA)

Total Assets
$231,000
$3,597,000
The return on assets is:
6.4%
Return on Equity (ROE)

Stockholders' Equity
$231,000
$1,954,000
The return on equity is:
11.8%
Earnings Per Share (EPS)

Earnings Available to Common Stockholders'
Common Shares Outstanding
The earnings per share are:
Price/Earnings (P/E) Ratio
Market Price per Share of Common Stock
Earnings Per Share
l
$3,074,000
$2,088,000
$221,000
76,262
$2.90
$32.25
$2.90
The price/earnings ratio is:
11.1
DESCRIPTION
Profitability ratios allow you to evaluate the firm's earnings with
respect to a given level of sales, a certain level of assets, the
owners' investment, or share value.
File: 312340879.xls
Printed: 04/05/2016
TV01
Present Value - Single Amount

Future Amount (at the end of n periods)
Number of Periods (n)
Interest Rate Per Period (per n periods)
The present value is:
$1,700.00
8
8.00%
$918.46
Calculating an Interest Rate

Present Value
$1,700.00
$918.46
8
The interest rate per period is:
8.00%
Calculating the Number of Periods

Present Value
l
$1,700.00
$918.46
8.00%
The number of periods are:
DESCRIPTION
This worksheet allows you to calculate the present value
of a single (lump sum) future amount. It also allows you
to calculate the interest rate (or discount rate) if you know the
present value, future value, and number of periods. A third
calculation allows you to calculate the number periods if you
know the future value, present value, and rate per period.
File: 312340879.xls
Printed: 04/05/2016
TV02
Present Value of a Mixed Stream

Periodic Discount Rate
Period (n)
1
2
3
4
5
6
7
8
9
10
l
9.00%
Cash
Flow
$400
$800
$500
$400
$300
The present value is:
$1,904.76
DESCRIPTION
This worksheet allows you to calculate the present value of
a mixed stream of cash flows. A mixed stream of cash flows
shows no particular pattern.
File: 312340879.xls
Printed: 04/05/2016
TV03
Present Value of an Annuity

Choose one of the following options:
Ordinary Annuity
Annuity Due
Payment Per Period
Number of Periods
The present value of the annuity is:
$700.00
5
8.00%
$2,794.90

Payment Per Period
Present Value
$700.00
$2,794.90
5
8.00%

Payment Per Period
Present Value
l
$700.00
$2,794.90
8.00%
The number of periods is:
DESCRIPTION
This worksheet calculates the present value of an annuity.
Select the Annuity Due option button if you want to perform
calculations assuming that the cash flows occur at the beginning
of the period. The Ordinary Annuity assumes cash flows occur
at the end of the period.
You can use this worksheet to calculate the periodic interest
rate when you know the annuity payment, present value of the
annuity, and the number of periods.
You can also use this worksheet to calculate the number of
periods when the annuity payment, present value, and interest
rate are known.
File: 312340879.xls
Printed: 04/05/2016
TV06
Future Value - Single Amount

Compounding Choices (select one):
Annual
Semi-annual
Present Value
Quarterly
Bi-monthly
Interest
Rate Per Period (per n periods)
Monthly
The future value is:
Continuous
$100.00
2
8.00%
$116.64
Calculating an Effective Interest Rate
Compounding Frequency (select one):
Nominal Interest Rate

Number of Years
8.00%
2
The effective rate per period (per n periods) is:
8.24%

Present Value
Future Value
l
$100.00
$116.64
8.00%
DESCRIPTION
This template allows you to calculate the future value of a
single (lump sum) future amount. It also allows you to calculate
the effective interest rate (or discount rate) if you know the
nominal interest rate, compounding frequency (per year) and
number of years. A third calculation allows you to calculate the
number of periods if you know the present value, future value,
and rate per period.
File: 312340879.xls
Printed: 04/05/2016
TV04
Future Value of an Annuity

Choose one of the following options:
Ordinary Annuity
Annuity Due
Payment Per Period
Number of Periods
$1,000.00
5
7.00%
The future value of the annuity is:
$5,750.74

Payment Per Period
Future Value
$1,000.00
$5,750.74
5
7.00%

Payment Per Period
Future Value
l
$1,000.00
$5,750.74
7.00%
5.00
DESCRIPTION
This worksheet calculates the future value of an annuity. Select
the Annuity Due option if you want to assume the cash flows
occur at the beginning of the period. The Ordinary Annuity (which
is the default) assumes cash flows occur at the end of the period.
You can use this worksheet to calculate the periodic interest rate
when you know the annuity payment, future value of the annuity,
and the number of periods.
You can also use this worksheet to calculate the number of
periods when the annuity payment, future value, and interest
rate are known.
File: 312340879.xls
Printed: 04/05/2016
TV05
Deposits to a Sum
Select the type of annuity:
Ordinary Annuity
Annuity Due
Amount to be Accumulated
Number of years
Annual Interest Rate
$100,000
10
9.00%
The periodic deposit is:
$6,582.01
DESCRIPTION
This worksheet calculates the deposit per period needed to
accumulate some future amount.
File: 312340879.xls
Printed: 04/05/2016
RR01
Rate to Meet a Goal

Financial Goal
$28,000
Number of Years Until Goal Achievement
12
Annual Deposit to Achieve Goal
$1,500
Deposit Made at: Beginning of Period
End of Period
l
The annual rate of return needed is:
6.63%
DESCRIPTION
This calculator computes the annual rate of return needed to
achieve a financial goal at some year in the future.
File: 312340879.xls
Printed: 04/05/2016
RR02
Real Rate of Return

Rate of Return
Inflation Rate
Marginal Tax Rate
l
6.00%
4.00%
28.00%
The real rate of return is:
0.32%
DESCRIPTION
Use this calculator to determine the real rate of return. The real
rate of return takes into account both inflation and taxes. It's
the rate of return after subtracting the taxes owed on the return
and the loss in purchasing power as a result of an increase in
the Consumer Price Index (CPI).
File: 312340879.xls
Printed: 04/05/2016
RR03
Holding Period Return

Current Income
Capital Gain (or loss)
Purchase Price
l
The holding period return is:
$10.00
$8.00
$100.00
18.00%
DESCRIPTION
This calculator determines the total return earned from holding an
investment for a period of time.
File: 312340879.xls
Printed: 04/05/2016
RR04
After Tax Return

Taxable Return (%)
Marginal Tax Rate
l
The after tax return is:
9%
15%
7.65%
DESCRIPTION
Use this calculator to determine the after tax return on an
investment. The taxable return is the taxable annual yield from
the investment while the marginal tax rate is that of the investor.
File: 312340879.xls
Printed: 04/05/2016
RR05
Taxable Equivalent Rate

Tax Free Return (%)
Marginal Tax Rate
l
The taxable equivalent rate is:
7.65%
15.00%
9.00%
DESCRIPTION
Use this calculator to convert a tax free rate of return to a taxable
one. This is useful when comparing the return of a municipal
bond to that of a CD, T-bill, or any other taxable investment.
File: 312340879.xls
Printed: 04/05/2016
RR06
Effective Annual Yield on Investment

Contract Rate (Nominal Rate)
Frequency of Compounding (Choose One):
Annually
Semi-Annually
Quarterly
The
effective annual yield on investment is:
Monthly
Daily
6%
6.09%
DESCRIPTION
Use this calculator to convert the nominal or stated yield of an
investment to its actual yield, assuming a particular frequency
of compounding.
File: 312340879.xls
Printed: 04/05/2016
RR07
Yield to Maturity
Current Bond Price

Par Value of Bond
Coupon Rate
Years to Maturity
$1,040
$1,000
6.000%
16
The yield to maturity is:
5.637%
DESCRIPTION
Use this calculator to approximate the annual yield for a bond, if
held to its maturity date. The calculation takes into account any
gain to be realized from a discount and any loss attributed to a
premium.
File: 312340879.xls
Printed: 04/05/2016
RR08
Expected Return (CAPM)

(Capital Asset Pricing Model)
Risk Free Rate of Return

Beta Coefficient
Return on Market Portfolio
7.94%
1.21
13.30%
The expected rate of return is:
14.43%
DESCRIPTION
Use this calculation to estimate the expected rate of return on a
particular stock (equity) investment.
This expected rate of return calculation is based on the Capital
Asset Pricing Model. The risk free rate of return is the expected
return on a riskless investment -- such as a Treasury Bill.
The Beta coefficient is a statistic that is calculated and
published for publicly traded stocks and is available from
services such as Value Line Investment Survey. The return on
the market portfolio is the expected rate of return you could
achieve if you invested in the entire stock market.
File: 312340879.xls
Printed: 04/05/2016
CB01
Net Present Value

Initial Investment
Discount Rate
Years
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
l
$45,000
10%
Cash Flows
$28,000
$12,000
$10,000
$10,000
$10,000
The net present value is:
$9,931
DESCRIPTION
This worksheet calculates the Net Present Value of an
investment. It is designed to work for any investment with up
to 15 years of cash flow.
File: 312340879.xls
Printed: 04/05/2016
CB02
Internal Rate of Return

Years
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
l
Initial Investment -->
Cash Flows
($45,000)
$28,000
$12,000
$10,000
$10,000
$10,000
The internal rate of return is:
21.65%
DESCRIPTION
This worksheet calculates the internal rate of return (IRR) of
an investment. The initial investment should be entered as
a negative number since it is an outflow of cash.
File: 312340879.xls
Printed: 04/05/2016
CB03
Payback Period
Years
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
l
Initial Investment -->
Cash Flows
($45,000)
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$40,000
$6,000
The payback period is:
6.975
DESCRIPTION
This worksheet calculates the payback period. The payback
period is the number of periods (usually years) that it takes to
recover the initial investment from the operating cash flows.
Initial Investment
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
1,000
1,000
1,000
1,000
1,000
1,000
40,000
6,000
-
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
6
6000
46000
40000
$39,000
Payback
File: 312340879.xls
$45,000
1,000
2,000
3,000
4,000
5,000
6,000
46,000
52,000
52,000
52,000
52,000
52,000
52,000
52,000
52,000
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
This finds the year that is equal to or less than the initial investment
This looks up the amount accumulated for the year above
This is the accumulation for the next year
This is the cash flow for the year in which payback is achieved
0.975
6.975
Printed: 04/05/2016
CB04
Annualized Net Present Value

Discount Rate
Number of years
Years
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
10.00%
6
Initial Investment enter as negative -->
The net present value is:

The annualized NPV is:
Cash Flows
($85,000)
$35,000
$30,000
$25,000
$20,000
$15,000
$10,000
$17,285
$3,969
DESCRIPTION
This worksheet calculates the Annualized Net Present Value
(ANPV). The ANPV makes it possible to compare projects with
different life spans by converting the Net Present Value into an
amount per year.
File: 312340879.xls
Printed: 04/05/2016
CB05
Initial Investment
Cost of new asset

Installation costs
After-tax proceeds from sale of old asset
Tax on sale of present machine
Change in net working
$380,000
$20,000
$280,000
$84,160
$17,000
The initial investment is:
$221,160
DESCRIPTION
This worksheet calculates the initial investment -- the relevant
cash outflow required at time zero to implement a proposed
long-term investment.
File: 312340879.xls
Printed: 04/05/2016
LL01
Lease Payment
MSRP (sticker price)

Capitalized Cost (leasing price)
Cap Cost Reduction (down payment)
Lease Term (number of months)
Residual Factor (percentage of MSRP: see 1)
Money Factor (converted interest rate: see 2)
$20,000
$18,500
$1,000
24
65.00%
0.00329
The depreciation fee is:

The lease fee is:
The monthly lease payment is:
$187.50
$100.35
$287.85
DESCRIPTION
This calculator uses a formula that is utilized by car dealers and
leasing companies to calculate a monthly lease payment on a
new automobile.
(1) Note: Since the residual factor is determined by the leasing
company, you should attempt to get the actual value if possible.
As a rule of thumb, residual value can be estimated as follows:
.65 for 2 years
.57 for 3 years
.49 for 4 years
.41 for 5 years
The above factors are conservative estimates for new vehicles
with relatively low depreciation rates.
(2) Note: Since the Money factor is determined by the leasing
company, attempt to get the actual factor. You can estimate it
by dividing the current new car loan rate by 2400.
File: 312340879.xls
Printed: 04/05/2016
LL02
Affordable Automobile
Monthly Payment you can Afford
Loan Term (Years)
Annual Percentage Rate
Down Payment
l
The price of the car you can afford is:
$295
4
8.00%
$1,500
$13,584
DESCRIPTION
Use this calculator to determine the price of an automobile that
you can afford. Begin by entering the monthly payment that suits
your budget. You may want to consider the rule of thumb that
your monthly installment payments should not exceed 15-20%
of your monthly take home pay.
File: 312340879.xls
Printed: 04/05/2016
LL03
Simple Interest Loan Payment
Loan Principal Amount

Loan Period in Years
$165,000
7.50%
30
KEY FIGURES
The monthly payment is:
The annual loan payments are:
The interest over the term of the loan is:
The sum of all payments is:
$1,154
$13,844
$250,332
$415,332
DESCRIPTION
Calculates the monthly loan payment necessary to amortize
a simple interest loan and other key loan figures.
File: 312340879.xls
Printed: 04/05/2016
LL04
Add-On Interest Payment

$5,000
11.00%
4
KEY FIGURES
$2,200
$150
$7,200
DESCRIPTION
This calculates the monthly payment and key figures for an add-on
interest loan.
File: 312340879.xls
Printed: 04/05/2016
LL05
Loan Pay-off Amount
Monthly Payment
Number of Payments Already Made
$1,182.08
7.75%
13
30
The pay-off amount is:
$163,426
DESCRIPTION
This calculator helps you determine the amount of principal that
remains on a loan so that you can pay off or refinance the
loan balance.
File: 312340879.xls
Printed: 04/05/2016
LL06
Loan Consolidation
Debts to be Paid Off with New Loan:

Auto Loans
Credit Cards
Home Improvement
Vacation Loans
Other Loans
$10,000
$6,000
$3,000
$5,000
$3,000
7.50%
5
The consolidation loan amount is:

$27,000
$541
DESCRIPTION
Use this calculator to determine the loan needed to consolidate
all your consumer loans into one loan and the monthly payment
required on that consolidation loan.
File: 312340879.xls
Printed: 04/05/2016
LL07
Refinance Calculator
New Loan Principal Amount

Current Monthly Payment
Points on the Refinance Loan
Other Estimated Closing Costs
$165,000
7.50%
30
$1,300.00
2
$2,000.00
KEY FIGURES
The new monthly payment is:
The monthly savings is:
The number of months to break-even is:
$1,153.70
$146.30
36
DESCRIPTION
Use this calculator to determine if a refinancing of a mortgage
makes sense. The number of months to break-even should be
compared to your estimate as to how long you will stay in the
house.
File: 312340879.xls
Printed: 04/05/2016
LL08
Balloon Payment

Amortization Period in Years
Years Till Balloon Payment
$165,000
7.50%
30
5
KEY FIGURES
The balloon payment is:
$1,153.70
$156,118
DESCRIPTION
Use this calculator to compute the monthly payment and final
(balloon) payment on a balloon payment loan.
File: 312340879.xls
Printed: 04/05/2016
LL09
Bi-Weekly Loan

$100,000
8.00%
30
KEY FIGURES
The annual loan payments are:
The bi-weekly payments are:
$8,801.52
$338.52
$164,046
$264,046
DESCRIPTION
Use this calculator to compute a bi-weekly payment loan -- 26
payments per year.
File: 312340879.xls
Printed: 04/05/2016
LL10
Home Mortgage Affordability
Monthly Take-Home Pay

Gross Annual Income
Monthly Property Taxes
Monthly Home Owner's Insurance
Down Payment
Term (years) of mortgage
Interest Rate
$2,095
$30,000
$100
$50
$20,000
30
13.00%
The affordable mortgage amount is:

The affordable home cost (35%) is:
The affordable home cost (2.5 x Income) is:
$52,726
$72,726
$75,000
DESCRIPTION
This calculator determines the affordable mortgage and home
cost under two rules of thumb: 35% rule and 2 1/2 times
gross income rule.
The 35% rule assumes that the borrower cannot afford monthly
housing payments (Mortgage, Insurance, & Taxes) in excess
of 35% of monthly net take-home pay.
The 2 1/2 times gross income rule assumes that the maximum
house you can afford is 2 1/2 times your gross annual income.
$110.62
583.25
5.272557
52725.57
$72,726
File: 312340879.xls
Printed: 04/05/2016
LL11
Home Equity Loan Affordability

Borrower's Gross Monthly Income
Maximum % of Home Value Bank will Lend
Minimum Monthly Payment as a % of Line
Bank's Total Expenses (Affordability) Ratio
Value of Home
$4,000
80%
1.50%
40%
$175,000
First Mortgage Information:

First Mortgage Balance
Monthly Payment
Property Taxes (annual)
Homeowner's Insurance (annual)
Other Consumer Debts

Totals for All Consumer Debts
$50,000
$500
$2,000
$400
Total
Current
Balances
$10,000
The home equity is:

The credit line (ignoring affordability) is:
The affordable total monthly payments are:
The credit line for which you qualify is:
Total
Monthly
Payments
$550
$125,000
$90,000
$1,600
$43,333
DESCRIPTION
Use this calculator to determine the home equity loan or line of
credit for which you qualify.
File: 312340879.xls
Printed: 04/05/2016
LL12
Personal Debt Safety Ratio
Monthly Take-home Pay

Enter total monthly payments for:
Credit Card Payments
Education Loan Payments
Automobile Loan Payments
Automobile Lease Payments
Home Equity Loan Payments
Other Consumer Loan Payments
$3,000
The personal debt ratio is:
29.33%
$100
$100
$200
$200
$250
$30
DESCRIPTION
This calculator determines your personal debt ratio. As a rule of
thumb, the total monthly consumer debt payments should not
exceed 20% of your monthly take-home pay.
File: 312340879.xls
Printed: 04/05/2016

Financial Calculator

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THE ULTIMATE FINANCIAL CALCULATOR

Time Value of Money

Loans and Leasing

Copyright 1997 KMT Software, Inc. All Rights Reserved.

Copyright 1997 KMT Software, Inc.

Price Earning Multiple

Copyright 1997 KMT Software, Inc.

Copyright 1997 KMT Software, Inc.

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Time Value of Money

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Taxable Equivalent Rate

Real Rate of Return

Effective Annual Rate

Holding Period Return

After Tax Return

Expected Return (CAPM)

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Annualized Net Present Value

Internal Rate of Return

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Loans and Leasing

Balloon Payment Loan

Simple Interest Loan

Add-On Interest Loan

Home Mortgage Affordability

Loan Pay-off Amount

Home Eq. Loan Affordability

Personal Debt Safety Ratio

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Basic Bond Valuation

Par Value of the Bond

Value of the bond is:

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The book value per share is:

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The liquidation value per share is:

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Price/Earnings (P/E) Multiple

The value per share is:

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Estimated Dividend per Share

The value per share is:

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Liquidity Analysis and Ratios

The current ratio is:

The quick ratio is:

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The inventory turnover is:

Average Collection Period

The average collection period is:

The fixed asset turnover is:

The total asset turnover is:

Copyright 1997 KMT Software, Inc.

The debt ratio is: