Compounding Interest: $FV=PV_0×(1+\frac{i}{m})^{n×m}$

Effective Interest Rate: $EIR=(1+\frac{i}{m})^m-1$

Future Value Interest Factor for an Annuity: $FVIFA_{i,n}=\frac{(1+i)^n-1}{i}$

FV Ordinary Annuity: $FV_{annuity}=PMT×FVIFA_{i,n}$

FV Annuity Due: $FV_{annuity\due}=PMT×FVIFA{i,n}×(i+1)$

Present Value Interest Factor for an Annuity: $PVIFA_{i,n}=\frac{1-\frac{1}{(1+i)^n}}{i}$

PV Ordinary Annuity: $PV_{annuity}=PMT×PVIFA_{i,n}$

PV Annuity Due: $PV_{annuity\due}=PMT×PVIFA{i,n}×(1+i)$

Perpetuity: $PV_{perpetuity}=\frac{PMT}{i}$

Balloon Loan: $Balloon_n=FV_n=Principal_0×(1+i)^n$

Amortized Loan: $Principal=PMT×PVIFA_{i,n}$

Fisher Equation: $1+k_n=(1+k_r)×(1+π)$

• kn = nominal rate, kr = real rate, π = expected inflation rate

n = number of periods

m = compounding periods per year

i = annual interest rate