# Financial Calculator

## Lease Payment Calculator

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Most people use a lease payment calculator when they are considering purchasing a car. By doing your lease payment calculation in advance, you can ensure that you’re getting the most bang for your buck. This can also save you from any potential hidden fees. With this lease payment calculator, you can learn how your lease payments are calculated and ensure that you are being offered the best package. Use this lease payment calculator if you are planning on leasing a car or other equipment.

At first glance, doing a lease payment calculation can seem confusing and time consuming. When you are doing lease payment calculation, factors to consider are price, interest rate and lease term. You’ll also want to consider factoring taxes into the lease payment calculation for a more accurate reflection of your monthly payment.

You can use this Excel lease calculator to perform your lease payment calculation in a minimal amount of steps. Once you have downloaded this free lease payment calculator Excel template, you will find detailed instructions on how to calculate your lease payments. Additional information is provided about the lease rate.

You can download this free lease payment calculator from the link below. If you are looking for other Excel templates that do calculations similar to the lease payment calculator, search the related Excel templates or other Excel template categories. We have plenty of handy and useful free Excel templates to help you stay organized and on top of your tasks.

## NPV Calculator

Net present value (NPV) is a common financial calculation used to determine the profitability of an investment or project. Net present value can be calculated by hand, although it may be easier to use an NPV calculator to avoid errors. This Excel spreadsheet has a sample Excel net present value model and built-in NPV calculator. You can use this NPV calculator in the worksheet to do your own net present value calculations.

When performing the Excel net present value calculation, certain fields must be entered into the NPV calculator:

• Discount rate
• Number of years (for the investment/project)
• Initial cost (negative value)
• Projected cash flow per year

If you are missing any of the values, the NPV calculator will not return proper results. Your initial cost is considered a cash outflow, and should always be entered as a negative value in the NPV calculator.

This NPV Excel template has three example investment projects already done for you. You can click on individual cells within NPV Excel file to see the formulas used to calculate the Excel net present value. The row titled ‘Project NPV’ displays your net present value for the specified investment. The first two examples, Project A and Project B, have positive net present values. The Excel net present value for Project C is a negative value highlighted in red. You will also notice that the NPV calculator has calculated a negative difference and percentage. If you need to include more projected cash flows, you can edit the NPV Excel template by adding more rows and changing the number of years for the investment.

This NPV calculator is simple and easy to use. Download this free NPV calculator from the link below. Be sure to browse our library of free Excel templates for more useful Excel calculator templates like this NPV calculator.

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## Compare Investment Options with our Free Present Value Calculator

Our free present value calculator template enables you to compare two investment scenarios. You will appreciate being able to calculate the present value of an annuity without understanding the present value calculator annuity formula or lump-sum present value calculation. Get your own free present value calculator here!

## Calculations Performed by the Present Value Calculator Online

The present value calculator online will tell you the present value of an amount to be received in the future. The present value calculator annuity formula contained in this Excel template will calculate the current value of a series of equal future payments.

## Illustration of Value Calculator Online

We show two investment calculations in the illustration of our present value calculator online spreadsheet. Using a 12 percent interest rate, the spreadsheet calculations reveal whether it is better to receive \$3,500 each year for four years, by using the present value calculator annuity formula, or to receive \$14,000 at the end of four years.

In the first scenario, the built-in present value calculator annuity formula calculates in today’s dollars the value of four annual future payments of \$3,500. Thanks to the annuity formula, the present value calculator displays the present value of \$10,630.72. The present value gain of \$630.72 is the difference between the \$10,630.72 and the \$10,000 investment.

In the second scenario, the present value calculator tells you the value today of the payment of \$14,000 in four years. Today’s value of this future amount is \$8,897.25. The present value calculator displays a present value loss of \$1,102.75, the difference between \$8,897.25 and the \$10,000 investment.

The present value of \$10,630.72, as calculated by our present value annuity calculator formula, is obviously higher than the lump-sum scenario that has a calculated present value of \$8,897.25. The first scenario is worth more in today’s dollars than the second scenario, and the present value calculator states that the first option is preferable with the \$10,000 investment.

Please enjoy our free template and remember, we offer other free Excel templates geared towards business, home and gaming use.

## Amortization Schedule

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### What is Amortization?

In the business world, amortization simply means paying off a loan or a debt in regular payments over a set period of time. The most common form of an amortizing loan is a mortgage, but car loans and other major and expensive purchases involving a loan are also examples of amortization.

An amortization loan is different from other loans because each payment installment includes both principal and interest. It is also among the easiest loans because payments are split into equal amounts that will remain unchanged throughout the length of the loan.

### Tips Before Obtaining an Amortization Loan

Buying a home or a car is a major investment and there are some things anyone in the market for a loan should know. Prior to entering any type of amortization loan, it’s important to speak to a qualified financial advisor. It’s also important to figure out how much money you’re willing to spend and how long you’re willing to spend it prior to ever stepping foot in a loan office.

Going in with a clear head and set numbers in mind gives you a huge advantage when you sit down with a loan officer. Don’t allow yourself to be talked into committing money that you don’t have or don’t want to spend. There are many benefits associated with an amortization loan, but those benefits will be meaningless if you enter into an agreement you can’t afford.

Prior to signing your name to any piece of paper, use tools like an amortization calendar or calculator so you know exactly what you’re planning to get in to. A lender’s first priority is not always placing you in the home or car of your dreams. Lenders have a job to do and some will do all they can to earn every last penny.

Some will see an inexperienced or uneducated consumer and jump at the opportunity to put them in a situation they would rather not be in. As with anything in life, knowledge is power and the more you know going in to this life-changing experience will pay huge dividends both immediately and down the road.

### What is an Amortization Period?

An amortization period refers to the amount of time it will take you to pay off your debt or loan. If you decide to take out a loan and attempt to pay it off in a timely fashion, you can expect to have higher installment payments. However, you won’t pay as much in interest because the loan will be paid off faster.

Conversely, those who take out the same loan but wish to take a little longer to pay it back will have lower installment payments, but will pay much more in interest over the length of the loan. Depending on interest rates, and other terms and conditions, even extending a loan by as little as one year could results in paying tens of thousands more in interest.

Determining an appropriate amortization period is one of the most important decisions you will make prior to agreeing to the loan. Using an amortization calculator and schedule prior to ever meeting with a lender will help you determine what period will work best for you.

### Using an Amortization Calculator

An amortization calculator is invaluable when it comes to determining the costs associated with a loan. These calculators can be used for auto loans, mortgages and various types of other loans. An amortization calculator is also very easy to use.

First, input whatever the amount of the loan is. Next, you will input the length of the loan term, whether it’s weeks, months or years. The next step will be to plug in the interest rate of the loan, followed by the starting date of the loan. Finally, select whether you would like to see the final result in monthly payments or yearly installments.

Once you determine the amount of your payments, it’s important to remember to include any taxes, insurance or any other type of fees or charges that may be added.

### Using an Amortization Schedule

If you’re paying off a loan, you need this amortization schedule to show you where you are in paying off the principal and interest. Amortization is the process of paying down the principal and interest of a loan slowly over time, until the entire loan has been paid. Typical examples of amortized loans are home mortgages and car loans, but amortizing loans can come in all sizes. To create your own amortization schedule for loans, download this easy template.

Creating an amortization schedule for your loan has never been easier. Simply plug in your loan amount, interest rate, and term, and this amortization schedule will figure out how much your payment is, and how much of each payment goes to principal and interest on the loan. This loan amortization schedule tool will help you see how close you are to paying off your loan, and how much interest and principal you have paid. Thanks to this amortization schedule tool, you’ll have a much better understanding of your debt.

Our amortization schedule Excel template is easy to use and requires only a few variables. It also produces a chart that is easy to read, so you can fully understand your loan amortization schedule. If you need help creating an amortization schedule for auto loans, mortgages or any other type of loan, simply download this template for free today!

This amortization schedule Excel template is very popular with visitors to our site. If you find it helpful, check out the rest of our website to see what other helpful templates you can find. We provide Excel templates and calculators to help you deal with many areas of your life.

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When looking to buy a home you will need to make sure that this is a financial decision that will benefit you. As a result you will want to go over the costs of buying a home and whether or not it will allow you to reach your financial goals.

One of the most effective ways to make a home buying decision is to use an Excel template. With the Excel template you will have the means to have an organized chart to see how much it will cost to purchase a home as well as the cost once you own it. Therefore you will want to use the Excel template when looking to purchase a home and decide on whether or not it is best for you.

## Own vs. rent

During the process of using a template to make a decision to buy a home, you will first want to use an own vs. rent calculator. On this template you will have the ability to go over all of the costs associated with home ownership compared to renting a home or apartment.

This will give you a very good idea of what you options are and the advantages of each one. As a result you will have a better way to decide whether or not you want to buy a home or not.

## Cost of ownership home buying decision

Another template you can go over on Excel is the cost of ownership. This is a template in which you can evaluate the costs associated with owning a home. On this template you will likely put down categories such as mortgage, homeowner’s insurance, property taxes and maintenance.

This template will help you easily figure out how much it will cost you to own the home on a monthly basis. As a result it will be a very valuable source of information to use when looking to decide on buying a home.