## 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...

Excel Solutions and Free Spreadsheets for the Financial Analyst & CFO

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## 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...## Interpolation

There has been an addition to the spreadsheet, explained in the post: Simplified Linear Interpolation of Treasury Rates Back in the day, when I was...## APR Calculator for PayDay Loans

Most banks and credit unions offer payday loans. So do many check cashing stores and online sites. You can find payday loan calculators online, but...## Valuing Servicing With CPR

Long before I wrote user defined functions for valuing servicing on a pool of mortgages, I developed amortization tables to understand the cash flows and proof...## Dashboard for Bonuses

After the end of the year, it is time to start thinking about budgets and goals. It is also time to set goals for next years bonuses....## Total the amount for each date, on multiple sheets

I ran into this problem in accounting. A workbook was being generated by the general ledger that created separate sheets for each ATM, with dates...## No XNFV Excel Function?

You might have already used the XNPV built-in Excel function for calculating the present value of a stream of cash flows with dates. How about XNFV...

- Simple Interest Commercial Loan Amortization 10/26/2018
- Maturity Weighted Butterfly Swap 09/27/2018
- Regression Weighted Butterfly Swap 09/27/2018
- Fifty-Fifty Butterfly Swap 09/23/2018
- Cash & Duration Neutral Butterfly (aka Duration-Hedged Barbell) 09/19/2018
- Commercial Loan Amortizations 08/25/2018
- Annual CPR Vectors 08/07/2018
- Simple (SMA) and Exponential (EMA) Moving Average 08/03/2018
- Cherry-Picking a Loan Portfolio, Revisited 07/19/2018
- THE MIRR EXCEL FORMULA WITH DATES (XMIRR) 07/13/2018
- Interest Penalty for Overtime Changes in State Law 06/15/2018
- CPR Prepayment Vectors 05/21/2018
- HEL (Home Equity Prepayment) 04/28/2018
- MHP (Prepayment Rate for Manufactured-Housing) 04/26/2018
- Change to “Calculate Historic CPR and PSA” 04/25/2018
- CMO-Inverse Interest Only (Inverse IO) 04/15/2018
- CMO -IO/PO PAIR 04/09/2018
- CMO – PAC 04/08/2018
- Future Value Bank Interest in Leap Years 03/15/2018
- Example of using the Future Value Formula on a Commercial Loan 02/19/2018
- Effective Duration & Convexity of a Loan Pool Using My Mega Formula 02/09/2018
- Mortgage Loan Pool Pricing Table with CPR, CDR, & Loss Severity 02/03/2018
- A Fourth Way To Bootstrap Spot Rates 08/24/2017
- Flat Rate Loans 07/26/2017
- Required Minimum Distribution (RMD) 3.0 07/08/2017
- Defeasance 3.0 06/05/2017
- MBS Amortization With VBA 05/29/2017
- Counting Binomial Lattice Paths 05/18/2017
- Addition to Required Minimum Distribution 05/03/2017
- Monthly Interest Using Actual Days, Without an Amortization 03/16/2017
- Internal Audit – Interactive Report 02/26/2017
- Mortgage Loan Pool – Default Recovery 12/09/2016
- U.S. Gross Domestic Product Dashboard 11/06/2016
- Add-On Interest Rate to Compensate for Financing Expenses 10/16/2016
- Testing my VBA Mortgage Portfolio Cash Flows 09/15/2016
- Required Minimum Distribution (RMD) 09/13/2016
- How much to withdraw from a taxable account (IRA, 401K, etc.) 09/10/2016
- Valuing a Mortgage Portfolio With Cash Flow Analysis 09/02/2016
- MBS Math Formula. Servicing, CPR, Payment Delay, Default Rate & Loss Severity 08/17/2016
- Tax Equivalents 08/07/2016
- Average Life VBA Function For MBS 06/03/2016
- Macaulay Duration VBA Function For MBS (or single loans), Given Market Yield 05/29/2016
- Market Yield VBA Function For MBS (or single loans), Given Price 05/12/2016
- Market Price VBA Function For MBS (or single loans), Given Yield 05/08/2016
- Loan Pool Named Formulas, Without An Amortization Schedule 04/12/2016
- Market Value Functions for Servicing (MSR), Interest (IO), & Principal (PO) 04/06/2016
- When Cash Flows Don’t Match Compounding Periods 04/02/2016
- Variable Rate Amortization – Day/Year Count & Last Payment Options 03/04/2016
- Solve for return needed for one more period to equal a required APY 02/24/2016
- Monte Carlo Yield Curve Forecasting 01/15/2016
- 24 Time Value of Money Calculations in One Excel Workbook 12/21/2015
- 3 -Ways to Bootstrap Spot Rates for the Treasury Yield Curve 12/05/2015
- 4-Factor Prepayment Model 11/28/2015
- Floater & Inverse-Floater CMO 11/20/2015
- Sequential Pay CMO 11/08/2015
- Effective Duration, Convexity, and Convexity Adjustment For Loans 10/30/2015
- Simplified Linear Interpolation of Treasury Rates 10/19/2015
- Math for amortization rows with CPR, Servicing, CDR, & Loss Severity 10/09/2015
- Math for amortization rows with CPR and Servicing 10/06/2015
- Calculating Historical CPR 09/27/2015
- Certificate of Deposit Ladder Optimizer 09/14/2015
- Conforming the “Mega” MBS Formula to Street Conventions 09/13/2015
- Chained Returns 09/08/2015
- Rule of 78 09/06/2015
- U.S. Treasury Forward Rate Curves 08/30/2015
- Treasury Bill Calculator 08/27/2015
- U.S. Treasury Bill Math 08/22/2015
- Financial Ratios – Bullet Charts 08/17/2015
- Bond Immunization 08/10/2015
- Default Rates Affect on Servicing 08/07/2015
- Credit Union Certificate Analysis 08/04/2015
- Over Six Decades of Yield Curve Animation 07/29/2015
- Mortgage Pool Pricing Tool 07/25/2015
- The Math Behind Excel’s CUMIPMT() & CUMPRINC() Functions 07/22/2015
- Math for Excel Functions With Starting and Ending Values 07/21/2015
- Simple Amortization Schedule 07/14/2015
- Breaking Down the Mortgage Mega-Formula 07/13/2015
- Annuity – Excel Functions and Math 07/04/2015
- Defeasance 2.0 07/02/2015
- Spreads Between the 10-Year Treasury and 30-Year Mortgage 06/28/2015
- Certificate Pricing for Credit Unions 06/20/2015
- Mortgage Pool Price Given Yield, Amortization vs. Mega-Formula 06/13/2015
- Cherry-Picking a Loan Portfolio 06/08/2015
- Mortgage Loan Pool Settlements 06/04/2015
- Bank and Credit Union Board Presentations 05/29/2015
- Bond Swap – Horizon Analysis – Calculator 05/26/2015
- Street Sweeping Days 05/14/2015
- Holding Period Return On Option-Free Fixed Income Securities 05/12/2015
- Financial Ratio Trends 05/07/2015
- Financial Ratio Gauges 05/04/2015
- Any Payment Required, Revisited 04/29/2015
- MSR (Mortgage Servicing Rights) VBA Function 04/21/2015
- Amortization Model – All Variable 04/19/2015
- Relationships – XIRR(), Amortization, Present & Future Value 04/12/2015
- Payment Required to Earn “X” IRR 04/08/2015
- Present and Future Value Proofs 04/04/2015
- Time & Dollar Weighted Rates of Return Calculator 03/27/2015
- Amortization – Variable Terms, Rates, & Payments 03/19/2015
- PV & FV of Periodic Uneven Cash Flows & Rates 03/17/2015
- PV & FV of Periodic Uneven Cash Flows 03/14/2015
- Graduated Annuities 03/05/2015
- Approximating Duration, Modified Duration, and Convexity with Option Free Bonds 02/23/2015
- 30/360 Present and Future Values with Dates 02/19/2015
- Amortization Consolidation 02/15/2015
- Solve for a target net worth ratio 02/13/2015
- Simple Interest 02/10/2015
- Mortgage Pool – Holding Period Return 01/31/2015
- Build your own CPR model 01/29/2015
- Effective Duration – No VBA or Amortization 01/24/2015
- California Home Prices Dashboard 01/18/2015
- Purchasing Power – FRED Add-In 01/17/2015
- Prepayment Penalty 01/11/2015
- Defeasance 01/08/2015
- Asset Growth vs. ROA – Net Worth Ratio 01/01/2015
- Why you can’t trust median home prices 12/30/2014
- Skip-a-Payment 12/29/2014
- Simple Formula for Converting Compound Interest Rates 12/21/2014
- Standard Default Assumption (SDA) 12/15/2014
- Constant Default Rate (CDR) 12/12/2014
- Convert CPR, SMM & ABS (APS) 12/06/2014
- Solve for Last Payment Due 12/03/2014
- Reverse Engineering Constant Prepayment Rate (CPR) 12/01/2014
- Mortgage Pool Price and Average Life One Cell Formulas 11/28/2014
- Currency Risk 11/26/2014
- Amortization Schedule With Variable Rates 11/22/2014
- Tax Calculators 11/21/2014
- Mortgage Backed Securities (MBS) “MegaFormula” 11/17/2014
- PSA vs. CPR 11/14/2014
- Bonus Checking 11/12/2014
- Macaulay Duration Plus Balloon Payment 11/06/2014
- Dutch Auction 11/03/2014
- APR – Adjustable Rate Mortgage (ARM) 11/01/2014
- APR – Fixed Rate Mortgage 10/31/2014
- PV and FV of Periodic Cash Flows 10/16/2014
- Modified & Effective Duration, Plus Convexity of a Loan 10/14/2014
- Macaulay Duration of an Amortizing Loan 10/11/2014
- Time Value Of Money 09/30/2014
- Seasonality 09/28/2014
- Valuing Servicing Matrix 09/25/2014
- Annuity 09/20/2014

- Don Pistulka on Math for amortization rows with CPR, Servicing, CDR, & Loss Severity
- Don Pistulka on Build your own CPR model
- cheri on Build your own CPR model
- cheri on Math for amortization rows with CPR, Servicing, CDR, & Loss Severity
- Don Pistulka on Valuing a Mortgage Portfolio With Cash Flow Analysis
- Vik on Valuing a Mortgage Portfolio With Cash Flow Analysis
- Don Pistulka on Valuing a Mortgage Portfolio With Cash Flow Analysis
- Don Pistulka on Testing my VBA Mortgage Portfolio Cash Flows