Even Cash Flow Calculator

This worksheet just might make calculating things like loan payments, the amount that could be borrowed, the interest rate, etc. a little easier than the HP-12C calculator, with Reverse Polish Notation, you have been holding onto for the last 30 years.

Their are five inputs to the calculator:

  1. Rate
  2. Cash Flow (Payment)
  3. Number of Cash Flows
  4. Present Value (PV)
  5. Future Value (FV)

(Their is a sixth input, periods per year, but that is normally something known and not usually solved for)

In all the examples, the yellow cells are input cells.

It is assumed that the cash flows start at the end of the periods (as is true for most loans), but if you wish the cash flows to start at the beginning of the periods, check the box in the upper left hand corner of the sheet.

If you have the first three, you can solve for both the PV and FV:

Even Multiple Cash Flows


Download “EvenMultCashFlows



Don Pistulka
Don Pistulka

Retired Credit Union CFO - Finance
Background: over 40 years in investments, asset/Liability management, banking, securities trader.
Worked for: California Credit Union, WesCorp, CalFed S&L, Crocker Bank, Carroll McEntee, Federal Home Loan Bank Board (D.C.), Western Asset Management, Security Pacific National Bank.

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