Note: We think you will find that C—Value! Wizard is very competitive with *Time Value Software's TValue™ v5*. In fact, we think you'll find that C-Value! has advantages over TValue™.

Further Note: "*C-Value! v2.0*" is both a standalone program for Microsoft Windows and a calculator that is included in *SolveIT! v6.1*. Version 2.0 includes a new "Wizard" interface which steps you through cash flow problems. However, for those more comfortable with the classic interface, it is still available.

*C-Value!* gives you the ability to create and evaluate any cash flow — perform time value of money calculations. Cash flows may be either debt cash flows (loan and payment events) or investment cash flows (deposit and withdrawal events). A cash flow may occur on any date and therefore the cash flow may be at regular or irregular intervals. The interest rate can be changed as of any date as well.

*C-Value!* features an "open balance" concept. This means you can record events (example: payments or deposits) as they occur and *C-Value!* will show you the balance of the loan or investment as the events occur. Use this feature to do debt servicing. *C-Value!* lets you keep track of money paid and owed on a debt.

**Solve for any unknown**

- Payment or loan amount
- Deposit or withdrawal
- Yields: APR, APY or IRR
- Balance as of an exact date
- Date a specific balance is reached
- Present value (PV)
- Future value (FV)
- Balloon payment amount
- Payment required to reach a specific balloon
- Number of payments
- Interest rates â€” nominal or effective
- Discounted values
- Remaining balance
- Deposit required

**Any type of calculation method**

- Normal amortization or investment
- Rule-of-78s
- Canadian methods
- US Rule simple interest
- Supports 360, 364 and 365 day years
- Exact day or periodic interest calculations

**Scheduled (but adjustable) Payment Frequencies**

- Daily
- Weekly
- Bi-weekly
- Twice monthly (Half-month)
- Every 4 weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 months
- Semiannual
- Annual

**Flexible Reports & Schedules**

- Amortization & investment schedules
- Schedules with details or totals only
- Custom headers and labels
- Change fonts, colors
- Select a fiscal year end
- Reg. Z APR disclosure report

**Handles any type of cash flow**

- Normal
- Interest only
- Enter your own payment amount
- Negative amortization
- Skipped payments or deposits
- Fixed principal + interest
- Percent step amounts
- Dollar step amounts
- Balloon payments
- Extra payments
- Payments to interest
- Cash flow amounts set to any random date

**Compounding Frequencies**

- Exact day simple
- Daily compounding
- Weekly
- Bi-weekly
- Twice monthly (Half-month)
- Every 4 weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 months
- Semiannual
- Annual
- Continuous
- Change the frequency of compounding during a cash flow

*C-Value!* has many other benefits missing from other products

- A picture is worth 1,000 words they say.
*C-Value!*has charting. *C-Value!*natively & automatically supports**multiple currency symbols and number formats**based on the Windows' default settings.*C-Value!*will print a Reg. Z APR Disclosure statement.- Optionally set
*C-Value!*to automatically save and load the last set of inputs - Optionally set
*C-Value!*to automatically calculate initial odd days interest with three different payment options - Editing numeric values is easier since the default thousand's separator is visible
**while editing or entering**numbers. - In our opinion, our Help documentation is even more detailed. Help includes a couple dozen step-by-step tutorials.
- Our software fully supports
*Microsoft*themes - If you don't like
*C-Value!'s*look — change it. You can change the screen by changing the "skin" *C-Value!'s*screen scales up or down in size. This means the size of the text and numbers increase or decrease in size as you adjust the screen size. You can set the size for maximum visual comfort. (Most programs DO NOT scale. They only show you more empty space as you increase the size of a window.)- Optionally set
*C-Value!*to automatically save and restore the last screen position when the program starts up

**Other details**

- Directly reads and writes
*TValue*'s™ TV5 data files — no import step required - Requires about 20mb free disk space to install
- Individual or network versions available
- Never any programming required!
- Fast, Easy-to-Use & Accurate
- Over 150 pages of online help with examples
- One year money back satisfaction guarantee

Please see the buy now page for current pricing options and quantity discounts.

NOTE: *C-Value!* runs on Windows 7 (64-bit or 32-bit), VISTA (64-bit or 32-bit) and Windows XP (Home or Professional editions) as well as older versions of Windows (98, 98SE, ME, NT 4.0 & Windows 2000).

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You may link to this page using this HTML code. Just copy and paste:

<a href="http://www.pine-grove.com/C-Value" title="C-Value!, Cash Value Calculator">C-Value!</a>

What's new in *C-Value! v2.0*?

(PDF file)

Do you need to confirm or record payments paid on a loan?

If so, then try *C-Value!* and our step-by-step

loan servicing tutorial.

Read how our financial calculators are

used by:

Updated! Online!

Time Value of Money

Calculator

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All our programs are available to use free, for a 21 day trial period.

No personal information required.

No obligation.

No restrictions.

This handy

chart compares *C-Value!* with our three other programs.

Calculations Grouped by Function

New & Popular Calculators

- Amortization Schedule — show/print payment schedule
- Auto Loan — supports optional trade in or deposit
- Budget — income & expense allocation
- Balloon Loan — structure loan with balloon
- Debt Adviser — evaluate 4 debt elimination plans
- Goal Planning — design both savings & spending needs
- Loan calculator — solve for any unknown
- Mortgage Calculator — solves for 6 variables
- Net Worth — assets minus liabilities
- Value of an Annuity — present value of cash flow
- Savings Calculator — calculate 4 unknowns

Time Value of Money Tutorials

- One loan multiple borrows — setup construction loan
- Structured loan — skipped or stepped payments
- Special payment series — initially only interest paid
- Biweekly payments — save interest
- Audit loan balance — w/ optional irregular payments
- ARM — loan with any date interest rate changes
- Buying mortgages? Calculate mortgage's present value.
- Over 20 Other Step-by-Step Guides
- Video Tutorials

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