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**Question and Answers **

**Tools for Investments:**This tool will help you in calculating the value of any bond that you are holding .Please give the Par value , ROI, maturity and coupon rate of the bond to know the value of the bond. Book Value per share is the amount of money that a share holder will get if the company were to liquidate. Calculate the Book value per share of the share you are holding by giving Total Assets, Total Liabilities and No of common shares outstanding. This calculator gives the Value per share of the stock assuming that the dividends will grow at a constant annual rate The rate of return anticipated on a bond if it is held until the maturity date. YTM is considered a long-term bond yield expressed as an annual rate. The calculation of YTM takes into account the current market price, par value, coupon interest rate and time to maturity. Net Present Value compares the value of a dollar today to the value of that same dollar in the future, taking inflation and returns into account. If the NPV of a prospective project is positive, it should be accepted. However, if NPV is negative, the project should probably be rejected because cash flows will also be negative. The ANPV makes it possible to compare projects with different life spans by converting the Net Present Value into an amount per year. IRR can be used to rank several prospective projects a firm is considering. Assuming all other factors are equal among the various projects, the project with the highest IRR would probably be considered the best and undertaken first.

**Tools to know the value of money:**Future Value is the value of an asset or cash at a specified date in the future that is equivalent in value to a specified sum today. Future Value of an annuity requires you to specify the type of Annuity, Payment per period, Number of periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. Present Value of an annuity requires you to specify the type of Annuity, Payment per period, Number of periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. The Present Value calculation requires Future Amount, Number of Periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. This calculator requires periodic discount rate and stream of individual cash flows.

**Tools for Calculating Interest rates:**This calculator can be used to compare taxable investment with tax free investment. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI). The number of compounding periods per year will affect the total interest earned on an investment. For example, if an investment compounds daily it will earn more than the same investment with the same stated/nominal rate compounding monthly. Use this calculator to determine the effective annual yield on an investment. The return earned from the act of holding an asset over a given period. The return is equal to the income and other gains (such as appreciation) earned from the asset, divided by the original cost of the asset. The holding period return can be calculated for any asset, including a bond, an individual stock, or a complete portfolio. Use this calculator to estimate the expected rate of return on a particular stock (equity) investment as per the Capital Asset Pricing Model. Use this Calculator to determine the after tax return on your investment by giving Taxable return and marginal Tax rate. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI).

**Tools for Savings and Planning for an Occasion:**Use this calculator to find out the annual rate of return to meet a Financial Goal at some time in future. Use this calculator to determine the periodic deposit amount in an annuity to obtain a fixed sum in future. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI). Use this calculator to determine the amount required to start a new business or project after considering all the revenue and costs. Use this calculator to determine the no of years to get back your initial investment done on a business or a project.

**Tools for Loans:**This Calculator will help you in finding out the amount that you can afford to spend on your dream house. It gives you the affordable monthly payments and also the credit line for which you qualify depending on your income. You have taken a loan and have been paying the installments for some time now. The loan seems never ending; you want to figure out how much more is the payoff amount. This calculator helps you determine the amount of principal that remains on a loan so that you can pay off or refinance the loan balance. This tool will help you in calculating which car or vehicle you can afford. Before making any huge investment on car or any other automobile you have to ascertain that the monthly payment is not a burden on your pocket and does not interfere with your monthly budget. This tool will help you in doing that by giving the exact amount that you can spend on a car depending on your monthly installment, Loan term and rate of interest. This calculator determines the affordable mortgage and home cost under two rules of thumb: 35% rule and 2 1/2 times gross income rule. Enter your Income details and rate of Interest to determine the exact mortgage amount. Use this calculator to determine the percentage of your income that goes to pay monthly installments for various loans and credit cards. Use this Calculator to determine the Total interest that you have a paid on a loan. Use this calculator to determine a consolidated loan amount of all the loans that you have taken, you will also get the single monthly installment that you need to pay. Use this calculator to determine if a refinancing of a mortgage makes sense. The number of months to break-even should be compared to your estimate as to how long you will stay in the house.

**Tools for evaluating a firm:**Liquidity refers to the ease with which a firm can pay its bills. The three basic measures of liquidity are net working capital, the current ratio, and the quick (acid-test) ratio. Use this calculator to determine the Liquidity ratios for a firm. Activity ratios are used to measure the speed at which various accounts are converted into sales or cash. Use this calculator to determine the Activity ratios for a firm. The debt ratios measure the degree of indebtedness and the company's ability to pay debts. Use this calculator to determine the debt ratios of this company. Profitability ratios allow you to evaluate the firm's earnings with respect to a given level of sales, a certain level of assets, the owners' investment, or share value. Use this Calculator to determine the Profitability ratios of this company.

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