FinKit for Mac OS X 


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FinKit  FinFlow  FinLease  AmLoan 

FinKit requires Mac OS 10.5 or later and is compatible with Leopard, Snow Leopard, Lion, Mountain Lion and Mavericks. Calculations FinKit provides 55 different financial calculations and does on the fly currency conversions between 182 currencies. It includes hundreds of life tables for 40 countries from all over the world. FinKit is localized in English, French, Italian and Dutch. 


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Assets 

Capitalized Cost Choose rationally between alternatives by taking into account the cost, useful life, salvage value and maintenance cost of assets.


Classic Depreciation


MACRS Depreciation


Bonds 

Bond Book Value Find the previous and the next coupon day of a bond, find its initial book value and market quote, whether it is purchased at a premium or a discount, and find the remaining coupon payments.


Bond Duration Calculate the Macaulay duration and the modified duration of a bond. 

Bond Price Calculate the purchase price, the market price, the accrued interest and the market quote or the yield to maturity of a bond, using either the required yield or the market quote, respectively. 

Bond Yield Calculate the current yield, the average yield and the yield to maturity of a bond. 

ZeroCoupon Bond Price Calculate the purchase price and the market quote of a zerocoupon bond.


ZeroCoupon Bond Yield Calculate the purchase price and the semiannually compounded yield to maturity of a zerocoupon bond. 

Dates 
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Time between Dates Calculate the exact and approximate time between two calendar dates.


Term Date Find the date that is a given number of days in the future or the past from a given date. 

Date Series Generate a series of periodic dates using multiple date ajustment options and see what the intervals are using different day count conventions. 

Year Fraction Calculate time between dates as a fraction of a year using six different day count methods. Find out how many full leap years and leap days lie within the given period. 

Periods and Days Calculate the number of full periods and the number of stub days between two dates. 

Bank Holidays Calculate the dates of bank holidays for the years 2000 to 2050. 

Interest 
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Simple Interest between Dates Calculate simple interest between dates using periods and days.


Actuarial Interest between Dates Calculate actuarial interest between dates using periods and days. 

Compound Interest between Dates Calculate compound interest between dates using either a fixed or variable rate. Choose between six different day count conventions and four interest rounding options. 

Compound Interest Factors Calculate eight compound interest factors and create interest tables using discrete or continuous compounding.


Life 
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Probability Calculate the probability of survival or death within a given time span. 

Pure Endowment Premium Calculate the discounted value of a pure endowment. 

Pure Endowment Payment Calculate the expected payment for a pure endowment. 

Whole Life Annuity Premium Calculate the net single premium for a whole life annuity. 

Whole Life Annuity Payments Calculate the payments for a whole life annuity. 

Temporary Life Annuity Premium Calculate the net single premium for a temporary life annuity. 

Temporary Life Annuity Payments Calculate the payments for a temporary life annuity. 

Whole Life Insurance Calculate the net single premium for a whole life insurance.


Temporary Life Insurance Calculate the net single premium for a temporary life insurance. 

Temporary Endowment Insurance Calculate the net single payment of a temporary endowment insurance. 

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Installment Loan Calculate the periodic payment for a standard loan and create an amortization schedule.


Rule of 78 Loan Calculate the periodic payment for a Rule of 78 loan and create an amortization schedule. 

Balloon Payment Loan Calculate the periodic payments for loans in which at the end of the loan, there is still a nonzero final amount due to the lender.


Interest Only Loan Calculate the periodic payment for an interest only loan and create an amortization schedule. 

Fixed Principal Loan Calculate the periodic payment for a fixed principal loan and create an amortization schedule.


Sinking Fund Loan Calculate the periodic payment for a sinking fund loan and create an amortization schedule. 

Prepaid Interest Loan Calculate the first and successive payments for a prepaid interest loan and create an amortization schedule.


Extra Principal Payments Loan See the effect of rounding up the payment amount an of making periodic extra payments. 

Credit Cards Find out how long it will take to pay off a debt using different payment options. Payments can be either a fixed amount or a percentage of the debt, combined with a minimum payment.


Equipment Lease Calculate the periodic payments for leases and compare how different residual values and advance payments affect the periodic payments. 

Options 
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Black Scholes Option Pricing Calculate the price of a European style option.


Black Scholes Implied Volatility Calculate the implied volatility for a given option price. 

Payments 
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Single Payment Calculate the present and future value of a single payment.


Periodic Payments Calculate the present and future value of a series of payments. Payments can change by a percentage or a fixed amount. 

Rates 
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Effective Rates See how different compounding frequencies affect the effective annual rate.


Equivalent Rates Compare rates stated at different compounding frequencies to see which is lowest. 

Periodic to Annual Rates Convert a given periodic rate to the corresponding nominal or effective annual rates.


Inflation and Taxes Calculate the real rate of return after inflation and taxes. Find out what your investments will be worth in today's money. 

Find Rate Find the nominal and effective annual rate for single and periodic payments such as loans.


Annuity Calculate periodic payments, present and future value for all kinds of annuities:


Perpetuity Calculate present value and total paid for an infinite series of payments. Payments can change by a percentage or a fixed amount. 

Sinking Fund Calculate the periodic payments that will accumulate by a specific future date to a specified future value.


Savings Goal Find out how long it will take to reach a savings goal when making periodic deposits. 

Periodic Withdrawals Find out for how long you can continue to make periodic withdrawals from an account until it is depleted.


Fractional Withdrawals Find out for how long you can continue to make fractional withdrawals from an account until it is depleted. 

Investments Calculate the future value of a series of periodic investments


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Variable Interest Tables Manage and edit the bundled variable interest rate tables or add your own. FinKit interest tables are updated monthly. 

Life Tables Explore the data of the available life tables files. New and updated life tables are added on a regular basis. 

Currency conversions In all of the above calculations that use amounts, instant currency conversions can be done by simply switching to another currency. The Currencies window is used to specify a symbol to be used instead of the ISO code, edit the currency's Euro exchange rate (for nonEMU currencies), select a different rounding and add or remove the currency from the Currency menu. Commonly used currencies can be updated online. FinKit lets you choose from 182 different currencies 