Double your money – rule of 72 72/Rate=Nper

Triple your money – rule of 114 72/Nper=Rate

Quadruple your money – rule of 144
Quintuple your money – rule of 168 PV 1,000
Sextuple your money – rule of 186 FV 2,000
Septuple your money – rule of 202 Rate 10%
Octuple your money – rule of 216 Nper 7.27
Nonuple your money – rule of 228 Nper 7.20
Decuple your money – rule of 240 Rate 9.90

Check 2,000.00
2,000.00
=72/10
=72/E10

=1000*(1+10%)^E10
=FV(E9,E10,,-E7)
 =B6*(1+C6)^D6

=1000*(1+5%)
=E7*(1+5%)
=1000*(1+10%/4) =E8*(1+10%/4) =F8*(1+10%/4) =G8*(1+10%/4)

Pv Nominal % Nper FV
1000 10% 1 1,100.000
1000 10% 1 1050 1,102.500
1000 10% 1 1025 1050.625 1076.890625 1,103.813
=(H6-B6)/B6 =H6/B6-1

Effective % Effective %
10.00% 10.00%
10.25% 10.25%
10.38% 10.38%
 Bank Nominal Annual % Compounding frequency

1,000,000 A 10.00% Annual

1
1,000,000 B 9.80% Semi-Annual
2
1,000,000 C 9.70% 3 times per year
3
1,000,000 D 9.60% Quarterly
4
1,000,000 E 9.30% Monthly
12
1,000,000 F 9.25% Daily
365
Effective % Effective % Effective %

10.000% 10.000% 10.000% 1,100,000 1,100,000 -

10.040% 10.040% 10.040% 1,100,401 1,100,401 -

10.017% 10.017% 10.017% 1,100,170 1,100,170 -

9.951% 9.951% 9.951% 1,099,512 1,099,512 -

9.707% 9.707% 9.707% 1,097,068 1,097,068 -

9.690% 9.690% 9.690% 1,096,900 1,096,900 -

Loan Amount 100,000 WAY 1 Payment Interest Payment

=IPMT($B$3,$D4,$B$4,-
Ann.Rate 10% 0 =F4+G4
$B$2)
N.of Periods 10 1 $16,274.54 $10,000.00

2 $16,274.54 $9,372.55

3 $16,274.54 $8,682.35
4 $16,274.54 $7,923.13
5 $16,274.54 $7,087.99
6 $16,274.54 $6,169.33
7 $16,274.54 $5,158.81
8 $16,274.54 $4,047.24
9 $16,274.54 $2,824.51
10 $16,274.54 $1,479.50
$162,745.39 $62,745.39

WAY 2 Payment Interest Payment

0 =PMT(B3,B4,- =H17*$B$3
B2)
1 $16,274.54 10,000
2 $16,274.54 9,373
3 $16,274.54 8,682
4 $16,274.54 7,923
5 $16,274.54 7,088
6 $16,274.54 6,169
7 $16,274.54 5,159
8 $16,274.54 4,047
9 $16,274.54 2,825
10 $16,274.54 1,480
$162,745.39 $62,745.39
 Remaining Loan
Principal Payment
(Principal)
=PPMT($B$3,$D4,$B$4,-
100,000
$B$2)
$6,274.54 93,725.46

$6,901.99 86,823.47

$7,592.19 79,231.27
$8,351.41 70,879.86
$9,186.55 61,693.31
$10,105.21 51,588.10
$11,115.73 40,472.37
$12,227.30 28,245.07
$13,450.03 14,795.04
$14,795.04 -
$100,000.00

Remaining Loan
Principal Payment
(Principal)

=E18-F18 100,000
$6,274.54 93,725.46
$6,901.99 86,823.47
$7,592.19 79,231.27
$8,351.41 70,879.86
$9,186.55 61,693.31
$10,105.21 51,588.10
$11,115.73 40,472.37
$12,227.30 28,245.07
$13,450.03 14,795.04
$14,795.04 -
$100,000.00
 Payment
PVA ()Present Value of Annuity 22,000 0
N (Number of periods) 6 1 5,351.5
I (Interest Rete) 12% 2 5,351.5
3 5,351.5
4 5,351.5
Using Present value interest factor of
annuity 5 5,351.5
4.111
PVIFA (12%,6) 6 5,351.5

Exact Calculation 5,350.97

Present Value
of Annuity
Number of perio
Interest Rete (I)

2.4869 0
1
2
3

$40,211.48
 Principal
Interest Principal
Remainig
22,000.0
2,640.0 2,711.5 19,288.5
2,314.6 3,036.9 16,251.6
1,950.2 3,401.3 12,850.3
1,542.0 3,809.5 9,040.9

1,084.9 4,266.6 4,774.3

572.9 4,778.6 - 4.3

100,000

3
10%

Payment % Principal Loan Amount

100,000
40,210.70 10,000 30,210.70 69,789.30
40,210.70 6,979 33,231.77 36,557.52
40,210.70 3,656 36,554.95 2.57
Annuity Calculation
2.50% 2.50%
0.21% 0.21%
Due Ordinary
0 1,000 1,000
1 200 1,202.50 1,202.08
2 200 1,405.42 1,404.59
3 200 1,608.77 1,607.51
4 200 1,812.53 1,810.86
5 200 2,016.73 2,014.64
6 200 2,221.35 2,218.83
7 200 2,426.39 2,423.46
8 200 2,631.86 2,628.50
9 200 2,837.76 2,833.98
10 200 3,044.09 3,039.88
11 200 3,250.85 3,246.22
12 200 3,458.04 3,452.98

$3,458.04 $3,452.98
=FV(D3,$B$17,-$C$17,-D$5,1) =FV(E3,$B$17,-$C$17,-E$5,0)
Beginning of the Period-Annuity End of the Period-Ordinary
Due Annuity
1,025.29
1,025.29
 ანუიტეტის გამოთვლა
დეპოზიტი
საწყისი ინვესტიცია:
პერიოდული დეპოზიტის ოდენობა
დეპოზიტების პერიოდულობა წელიწადში:
დეპოზიტი პერიოდის დასაწყისში:

ინვესტიციის პერიოდი:
ინვესტიციის ვადა (წელი):

საპროცენტო განაკვეთი:
წლიური საპროცენტო განაკვეთი:

გამოთვლები:
საწყისი ინვესტიცია:
დამატებითი დეპოზიტი:
მთლიანი ინვესტიცია:
პერიოდული %:

ინვესტიცია პერიოდის ბოლოს:

საპროცენტო სარგებელი:
ამოთვლა

$ 1,000.00
$ 200.00 როცა საწყის ინვესტიციას გარ
თანხები. მაგალითად, ანაბარ
12 ყოველთვიურად შეგაქვთ 1
1 შენატ

დავუშვათ, 12 თვის განმავლო

ხოლო ბანკი გვიხდის წლიუ
1
მოცემული ფორმულა გვაძ
(12*200=2400) აჭარბებს საპრ
უკანასკნელი არგუმენტია 1,
2.50% ყოვ

$ 1,000.00 =N5
$ 2,400.00 =N6*N7*N11
$ 3,400.00 =N17+N18
0.21%=N14*(1/N7)

$ 3,458.04 =FV(N20,N7*N11,-N6,-N5,IF(N8=1,1,0))
$ 58.04 =N21-N19
 ანუიტეტი
აწყის ინვესტიციას გარკვეული პერიოდულობით ემატება ფიქსირებული
ბი. მაგალითად, ანაბარზე საწყისი 1000 დოლარის განთავსების შემდეგ
ლთვიურად შეგაქვთ 100 დოლარი. ამ ტიპის ფიქსირებულ პერიოდულ
შენატანებს ეწოდება ანუიტეტი.

ათ, 12 თვის განმავლობაში ყოველ თვე ანაბარზე შეგაქვთ 200 დოლარი,

ო ბანკი გვიხდის წლიურ 2.5% სარგებელს, რომელიც ერიცხება რთული
მეთოდით:
=FV(2.5%/12,12,-200,,1)
მული ფორმულა გვაძლევს 2,432.75 დოლარს, რაც მთლიან დეპოზიტს
00=2400) აჭარბებს საპროცენტო სარგებლის თანხით (32.75). ფუნქციის
კნელი არგუმენტია 1, რაც აღნიშნავს, რომ ანაბარზე თანხები შეგვაქვს
ყოველი თვის დასაწყისში.
 Questions

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.
11.

12.

13.
1. Today's 50 is better than tommorow's 50. Basic Reasons: Inflation, Reinvestment

2. Int. Rate Today in 1 year in 2 years

10% 100 110 121 Way 1 =D3*B3+D3
100 $121.00 Way 2 =FV(B3,2,,-C4)
99 120 Way 3

3. Today in 1 year
188.68 0.06 200.00
188.68

4. Way 1 Way 2
A B A B
1,000 500 1,000 500
3% 7% 3% 7%
1,030 535
1,030 572 1,806 1,935
1,030 613 =FV(D15,20,,-D14) =FV(E15,20,,-E14)
1,030 655
1,030 701
1,030 750
1,030 803
1,030 859
1,030 919
1,030 984
1,030 1,052
1,030 1,126
1,030 1,205
1,030 1,289
1,030 1,380
1,030 1,476
1,030 1,579
1,030 1,690
1,030 1,808
1,030 1,935

5. 50000
Way 1 Way 2
50,000 7% 50,000 7%
1 53,500 98,358 =FV(F39,10,,-E39)
2 57,245
3 61,252
4 65,540
5 70,128
6 75,037
7 80,289
8 85,909
9 91,923
10 98,358 =C48*$D$39+C48
6. Way 1 Way 2
500 150 350 500 150 350
3.50% 3.50% 3.50% 3.50%
518 $362.25 $658.40 $460.88
536 $374.93 $197.52
554 $388.05 =FV(E53,8,,-E52) =FV(G53,8,,-G52)
574 $401.63
594 $415.69
615 $430.24
636 $445.30
658 $460.88
$197.52

7. Way 1 Way 2
9,500 9,500 9,500 9,500
7% 6% 7% 6%
10,165 10,070
10,877 10,674 15,255 14,284
11,638 11,315 970
12,453 11,994 =FV(D66,7,,-D65) =FV(E66,7,,-E65)
13,324 12,713
14,257 13,476
15,255 14,284
970

8. 10,000 5 20,000

14.87% =RATE(5,,-B76,D76)
14.87% =(D76/B76)^(1/C76)-1
14.40 =72/C76 Rule of 72

9. A B
20,000 18,000
5
50% 25%
10,000 4,500
6%

2,000
4,110 5,500
2,109.92

10. Way 1
6% 5%
1,590 1,514 1
1,685 1,529 2
1,787 1,543 3
1,894 1,558 4
2,007 1,573 5
2,128 1,588 6
2,255 1,603 7
 2,391 1,618 8
2,534 1,634 9
2,686 1,649 10

20,957 15,809

11. 6,000.00
6.5%
0 25 6,000.00 6,000.00
1 26 6,390.00 6,390.00
2 27 6,805.35 6,805.35
3 28 7,247.70 7,247.70
4 29 7,718.80 7,718.80
5 30 8,220.52 8,220.52
6 31 8,754.85 8,754.85
7 32 9,323.92 9,323.92
8 33 9,929.97 9,929.97
9 34 10,575.42 10,575.42
80,966.54 80,966.54 80,966.54 Lari =FV(C109,10,-C108,0)

12. 4.00%
5 1,000 1,000
6 1,000 2,035
7 1,000 3,106
8 1,000 4,215
9 1,000 5,362
10 1,000 6,550
11 1,000 7,779
12 1,000 9,052
13 1,000 10,368
14 1,000 11,731 Author: Author:
Using Excel Formula Using Annuity Formula
15 1,000 13,142
16 1,000 14,602 Author:
17 1,000 16,113 Using Annuity Table
18 1,000 17,677
19 1,000 19,296
20 1,000 20,971
17 21 1,000 22,705 23,697.5 =FV(D123,17,-C124)
23,697.5 =((1+D123)^A140-1)/D123*C124 Annuity Formula
23.7 23,698.0 =1000*D142

9.5% Numb.Periods 109.50%

check 65 - 0
648,716.88 Lari 1 66 75,000 75,000 68,493 1 68,493.15 75,000
635,344.99 Lari 2 67 75,000 150,000 131,044 2 62,550.82 157,125
620,702.76 Lari 3 68 75,000 225,000 188,168 3 57,124.04
604,669.52 Lari 4 69 75,000 300,000 240,336 4 52,168.07
587,113.13 Lari 5 70 75,000 375,000 287,978 5 47,642.07
567,888.87 Lari 6 71 75,000 450,000 331,487 6 43,508.74
546,838.31 Lari 7 72 75,000 525,000 371,221 7 39,734.01
523,787.95 Lari 8 73 75,000 600,000 407,508 8 36,286.77
498,547.81 Lari 9 74 75,000 675,000 440,646 9 33,138.60
470,909.85 Lari 10 75 75,000 750,000 470,910 10 30,263.56
440,646.29 Lari 11 76 75,000 825,000 498,548 11 27,637.96
407,507.69 Lari 12 77 75,000 900,000 523,788 12 25,240.14
371,220.92 Lari 13 78 75,000 975,000 546,838 13 23,050.36
331,486.90 Lari 14 79 75,000 1,050,000 567,889 14 21,050.56
287,978.16 Lari 15 80 75,000 1,125,000 587,113 15 19,224.25
240,336.08 Lari 16 81 75,000 1,200,000 604,670 16 17,556.40
188,168.01 Lari 17 82 75,000 1,275,000 620,703 17 16,033.24
131,043.97 Lari 18 83 75,000 1,350,000 635,345 18 14,642.23
68,493.15 Lari 19 84 75,000 1,425,000 648,717 19 13,371.90
-0.00 Lari 20 85 75,000 1,500,000 660,929 20 12,211.78
21 1,500,000
660,928.66

660,928.66 Lari