Step 1 Step 2 Step 3 Step 4 Step 5 Schedule
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C-Value! Wizard v2.0 main window. The wizard walks you through the steps to set up a custom cash flow. As you become more familiar with how our time value of money calculator works, you can start at the 5th step.
If you look at the schedule, notice that payment #9 has been adjusted to include an extra amount. Cash flows, that is payments, loan amounts, deposits or withdrawals, can occur on any day for any amount. Rates can change on any date.
C-Value! classic window showing an initial loan amount, followed by 8 regular monthly payments after which, one payment amount was adjusted. Finally, after the adjustment, there were 350 regular payments.
Read how C-Value! is used by:
- Accountants, CPAs & Auditors
- Attorneys
- Bankers, Credit Unions
- Financial Planners
- Investors
- Real Estate Agents
Do you need to track payments being paid on a loan?
If so, then please see our step-by-step
loan servicing tutorial.
C-Value!, The Cash Value Calculator ™
TVM — Time Value of Money Calculations
Note: "C-Value! v2.0" is both a standalone program for Microsoft Windows and a calculator that is included in SolveIT! v6.0.
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 frequency. The interest rate may change on 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 keep track of money paid and owed on a debt.
Capabilities and benefits...
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 — 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-Values's look — change it. You can change the screen by changing the "skin"
- C-Values'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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Download
A free, fully functioning 21‑day trial copy of C‑Value!
No personal information required.
No obligation.
Need Help Deciding?
Check out this handy chart that compares C‑Value! with our three other Windows programs.
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