💰 Finance — TVM Solver

Time Value of Money functions. Convention: outflows (payments you make) are negative, inflows are positive. Rate and periods must use consistent units.

✓ 5 / 5 — 100% Complete

All Finance Commands — Implemented

Barwert( <Zinssatz>, <Perioden>, <Zahlung>, <Endwert?>, <Fälligkeit?> )

Aliases: pv, PV, PresentValue

✓ Done

Present Value — how much a future stream of payments is worth today at a given interest rate.

Zinssatz

Interest rate per period (e.g. 12%/12 for monthly at 12% annual)

Perioden

Total number of payment periods

Zahlung

Payment per period (negative = outflow)

Endwert (optional, default 0)

Future value remaining at end

Fälligkeit (optional, default 0)

0 = payments at end of period, 1 = beginning

Examples

Barwert(12%/12, 4*12, -100, 5000, 0)   → 696.06
Barwert(12%/12, 4*12, -100, 5000, 1)   → 734.07
Barwert(0.05, 10, -1000)               → PV of 10 annual payments

Endwert( <Zinssatz>, <Perioden>, <Zahlung>, <Barwert?>, <Fälligkeit?> )

Aliases: fv, FV, FutureValue

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Future Value — what a series of payments will grow to at a given interest rate.

Examples

Endwert(10%/12, 15, -200, 0, 1)   → 3207.99
Endwert(0.08, 10, -1000)          → savings after 10 years

Zahlung( <Zinssatz>, <Perioden>, <Barwert>, <Endwert?>, <Fälligkeit?> )

Aliases: pmt, PMT, Payment

✓ Done

Payment per period — calculates the regular payment for a loan or annuity.

Examples

Zahlung(6%/12, 10, 10000, 0, 1)   → -1022.59
Zahlung(0.05/12, 360, 300000)     → monthly mortgage payment

Perioden( <Zinssatz>, <Zahlung>, <Barwert>, <Endwert?>, <Fälligkeit?> )

Aliases: nper, NPER, NumberOfPeriods

✓ Done

Number of periods — how long until a goal is reached at given rate and payment.

Examples

Perioden(10%/12, -200, -400, 10000)     → 39.98 months
Perioden(10%/12, -200, -400, 10000, 1)  → 39.70 months

Zinssatz( <Perioden>, <Zahlung>, <Barwert>, <Endwert?>, <Fälligkeit?> )

Aliases: rate, RATE, InterestRate

✓ Done

Interest rate per period — solved numerically via Newton's method. Multiply by 12 for annual rate from monthly.

Examples

Zinssatz(5*12, -300, 10000)   → 0.02 (= 2% per month)
Zinssatz(60, -500, 20000)     → monthly rate on a loan

💡 TVM Quick Reference

Barwert

PV: What is it worth today?

Endwert

FV: What will it be worth later?

Zahlung

PMT: What do I pay each period?

Perioden

N: How many periods needed?

Zinssatz

RATE: What interest rate?