Simple interest
( )( )FV PV PV i n 
Compound interest
(1 )n
FV PV i 
Present value
(1 )n
FV
PV
i


Finding interest rate
1n
FV
i
PV
 
Finding the length of the period
 
 
ln /
ln 1
FV PV
n
i


Future value of annuity (ordinary)
(1 ) 1n
n
i
FV PMT
i i
 
  
 
Future value of annuity (due)
  (1 )n
n nFV due FV i 
Present value of annuity (ordinary)
1 1
(1 )
n n
PV PMT
i i i
 
  
 
Present value of perpetuity
PMT
PV
i

Present value of uneven cash-flows
     
1 2
1 2
...
1 1 1
n
n
CFCF CF
PV
i i i
   
  
Future value of uneven cash-flows
     
1
0 1 11 1 ... 1
N N
N NFV CF i CF i CF i CF

       
Effective annual rate
1 1
M
NOMI
EFF
M
 
   
 