The Standard for Financial Calculations and Amortization
TimeValue Software™ TValue™ amortization software is the industry standard for accurately amortizing loans, leases, and any time-value-of-money calculation. Today, all of the top 100 accounting firms and more than 500,000 financial professionals worldwide rely on its accuracy and flexibility.
Use TValue amortization software to structure loans and leases, structure loan modifications and troubled debt restructurings (TDRs), and to solve time value of money calculations in seconds. For structuring or amortizing loans with irregular payments, balloons, or rate changes, TValue software is the perfect tool. Automatically generate an amortization schedule with just a click of the mouse. No matter how complex the calculation, TValue software makes it easy!
Experience the Power and Unmatched Flexibility of TValue Amortization Software
- Verify loan balances and print payment schedules
- Enter irregular payments with improved cash flow entry
- Determine year-end interest income
- Compute internal rate of return
- Generate APR - Truth in lending (Regulation Z) disclosures
- Calculate present value and future value
- Structure/restructure loans to minimize loan loss reserves
- Determine the right loan structure when calculating "what if" scenarios
- Calculate officer notes with multiple loans and payments
- Determine an implicit rate of a lease
- Calculate savings requirements for future goals
Accurate and Easy to Use
Join other financial professionals who rely on the accuracy and ease-of-use with TValue amortization software. The TValue program is perfect for computing mortgage payments, checking interest due on a note, determining the rate on a lease, or calculating the yield of an investment. TValue software will even compute the APR for the most complex loans, including points, fees, and prepaid interest. See an example program screen shot below.
| Events such as lease, payment, investment, and return let you approach each problem logically. |
Choose the right computation method for any situation. |
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| Payments can be irregular in amount and occurrence. |
Select any payment series, including interest only, principal plus interest, skipped payments, and more. |
Set payment periods independent of compound periods. |
When restructuring a loan, TValue software allows you to combine a variety of variables to calculate a lower payment easily. Solve "what if" calculations including lowering or discounting interest rates for the duration of the loan, structuring interest only payments for a period and then a reduced rate, having a variable loan with rate increases in the early part of the term, or reducing the interest rate and ballooning the loan are all structures that are easy to do and document using TValue software.
Calculate Allowance for Loan Loss Instantly
The TValue program easily calculates the present value of future cash flows in a restructured loan at the original interest rate. This is a key step in completing the calculations for TDRs. The difference between the present value calculation of the restructured loan and the current loan balance is the allowance for loan loss subject to FAS 15 and FAS 114. TValue software instantly produces and clearly presents all the amortization schedules needed to document your calculations to support the appropriate amount for your allowance for loan loss .
In the TDR example below, the payments were tiered over the first 36 months and then the loan was ballooned after 5 years. This allows the lender to lower the payments to save the loan but limit the term of the reduced cash flows. The present value of this TDR versus the loan balance would be the amount charged to the allowance for loan loss.
Perfect Amortization Schedules in Seconds
Detailed reports provide the interest and principal components needed to print amortization schedules and APR disclosures in seconds! Totals can be displayed at selected intervals and TValue amortization schedules can be easily exported to Microsoft Word or Excel.
Custom Reports
- Document irregular payments, balloons, and rate changes
- Select any level of detail from summary to full schedule
- Add APR Truth-In-Lending disclosures
- Insert optional headers and footers
- View totals at selected intervals by calendar or fiscal year-end
- Print a limited date range
- Export to Microsoft Excel and Word with one-click
Upgrade Today from Version 4 to Version 5
Find many new uses and enhancements in TValue™ amortization software version 5
- Fully supports Windows 7 and any other Windows operating systems
- Long file names (expanded from 8 character file names)
- Calculate and amortize instantly with new tab interface
- Enter unlimited irregular payments with improved rate change and cash flow entry
- Export amortization schedules directly to Microsoft Excel or Word
- Customize the names of cash flows as needed
Try TValue Amortization Software Risk-Free
All TimeValue Software products include an unconditional one year money-back guarantee.
System Requirements:
- Supports Windows 7, Vista, XP, 2000, ME, and Windows Server 2008 and 2003
- Terminal Services and Citrix is being used successfully by TimeValue Software customers with no known issues in this environment
- At least 10MB RAM and 5MB disk space
To Order Now...
- Fill out the online order form, or
- Call 1-949-727-1800 or 1-800-426-4741 (Within U.S.A.)