Loan Amortizations

• Simple, monthly loans
• Complex, structued loans, combining options according to your spec
• Multiple balloon payments
• Delayed principal repayment
• Skipped payments, regular or
  
• ARMS and Variable rates
• Combinations of monthly, quarterly, weekly and bi-weekly payments
• APR calculation for loans with arbitrary structure
• Calculate the payment given the interest rate, or vice versa

Present Values

• Analyze annuities, structured legal settlements, or any structured payout
• Value legal claims for damages
• Financial planning: retirement
• Investment analysis and IRR
• Comparison of business options:  which deal is best?
• Tax interest.  Valuation with an interest rate that changes over time.
  

Loan Comparison

• Compare loans of different duration and different interest rate
• Evaluate the tradeoff between low interest rate and low APR
• Fixed interest or ARM

---

Computations implemented in DOS version, but not yet in Windows

• Combining life expectancy and present values to value annuities and life insurance products
• Actuarial present values and IRRs
  
• Arbitrary loan screen, where you specify each payment individually