TIMEVALUE SOFTWARE

How Will TValue Help You in Your Profession?

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  Accounting

  Calculations TValue Can Do For You

  • Year-end interest income
  • Internal rate of return (IRR or XIRR in Excel)
  • Solve for the interest rate, principal, payment, or term
  • Print amortization schedules
  • Compute present values and future values
  • Reconcile accruals
  • Determine implicit interest rate
  • Amortize bond premiums or discounts
  • Original issue discount (OID)
  • Audit Excel schedules

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  BANKING

  Calculations TValue Can Do For You

  • Structure commercial loan payments with balloons
  • Commercial loans with an actual/360 calculation
  • APR disclosure and verification
  • Mortgage payments for fixed or variable
  • Manage irregular payments
  • Factor in seasonal payments
  • Determine a balloon payoff
  • Net present value for TDR loan modifications
  • Officer note balance
  • Accretion calculations

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  LEASING

  Calculations TValue Can Do For You

  • Payments in advance or arrears
  • Determine your yield with residual
  • Handle deferred payments
  • Determine rate buy downs
  • Factor in stepped payments
  • Determine and verify rate factors
  • Broker's commission
  • Lease payoff
  • Calculate buy and sell rates
  • APR Reg Z, Appendix J

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  LEGAL

  Calculations TValue Can Do For You

  • Present value/net present value of a structured settlement
  • Past due child support/alimony balance with missed or irregular payments
  • Create amortization schedules of payment history
  • Interest on judgments
  • Present value of lost wages with annual percent adjustments
  • Note balances with missed or irregular payments
  • Internal rate of return (IRR or XIRR)

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  REAL ESTATE

  Calculations TValue Can Do For You

  • Fixed/Adjustable rate mortgage payments
  • APR Reg Z Truth In Lending
  • Determine loan amounts given monthly payments
  • Model accelerated principal paydowns
  • Commercial loans with an actual/360
  • Canadian mortgage amortization
  • Note carrying status
  • Pricing notes or determining yields

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