💰 Financial Functions

Master the Time Value of Money. Calculate loans, analyze investments, and project future growth.

💸 Loans
01. PMT (Payment)
Calculate monthly payments for loans or mortgages based on constant interest and periods.
📈 Analysis
02. RATE
Find the interest rate per period of an annuity. Useful for reverse-engineering loan terms.
📉 Investment
03. NPV (Net Present Value)
Determine if an investment is worth it by calculating the present value of future cash flows.
🚀 Profitability
04. IRR (Internal Rate of Return)
Calculate the break-even interest rate for a series of cash flows. A key metric for business cases.
🔮 Growth
05. FV (Future Value)
Predict the future value of an investment based on periodic, constant payments and a constant interest rate.
💎 Valuation
06. PV (Present Value)
How much is a future sum of money worth today? Essential for discounting cash flows.
⏳ Time
07. NPER (Number of Periods)
Calculate how long it will take to pay off a loan or reach an investment goal.
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