Inspired by a work of financial mathematics discipline on the postgraduate course in Business Administration from FGV I'm doing, I decided to implement a small application that helped me enhance learning some concepts, I really hope and also be able to help other colleagues ..
Our job was to analyze one, among many other systems of financing for the purchase of vehicles - those with loss of sight benefits, and confront it with some applications financial institutions offer us.
The application (which so far have not found a name for baptism), is designed to solve these calculations and present the results graphically. However .. after it's done I realized that I could improve it a little bit more, including intelligence so that it will be able to solve many of the problems of compound interest, amortization systems - PRICE, and many others that the imagination of our teachers sue ..
Using The application
The system is quite simple, it works with classical variables of financial mathematics and the dreaded HP 12C - PV (present value), FV (future value), etc.. Notice that we have two locations for input rates of yield, or interest rate, which I labeled, savings and fixed income because it was the one I used in my work, but that is what matters least, I mean, the labels, the interesting thing is that we have two interest rate / yield to compare.
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| Figure 1 - system in action - graphic bars |
When you start, notice that all the values has already been inserted , I did so during implementation and ended up leaving that way to become my job easier, but any value can be modified easily. With parameters duly completed click "Processar" button and graphics are rendered, as well as some information about the behavior of applications are reported in the text box to the left. Realize that we have a third graph - the legend, "Financiamento" which represents the initial value of the deposit (or application) and the fixed installments (PMTs). This graph will always be a line, but the applications may be bars - as in Figure 1 or rows as shown in Figure 2 below.
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| Figure 2 - system in action - line graphs |
As I said, I evolve the app a bit more for it help us with calculations of compound interest - investment analysis without payments (withdrawals) during the investment, etc.. To use it in this way simply assign zero value to the alleged financing (FV) and parcels (withdrawals) fixed. Figure 3 illustrates a classic case of classroom R$ 1000.00, applied for 3 months at 10% per month (here also has 20% fixed income), here is the result:
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| Figure 3 - compound interest without withdrawals |
Figure 4 shows one slightly different scenario where we have to include taken along the investment.
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| Figure 4 - compound interest on withdrawals |
Installing application
Ok.. if someone find it interesting and want to test, it is quite simple. It is a ordinary windows application installation, a piece of cake..
First try this file CAB installer , which is smaller and theoretically simpler. Just unzip it in a folder and click on any file "FGV-MtmFinanceira.exe." It may not work for lack of a configuration file on your machine.
If not work, try this: Install . Do dowload the file, unzip it and run setup.exe. After installation, you should see a cup of coffee on your desktop.
Alternatively visit here ... which has both installation options side by side.
Final Thoughts
As I said the idea emerged during development of a school homework, either that have no name, so it must have some small adjustments to be made as well as new features to be included.
Ps: .. icon cup of coffee was used due to 5 or 6 cups.. I drunk while coded the application ...
Well, this is it guys .. if anyone has any criticism or suggestions they will be very welcome .. I hope this joke is helpful to someone..
best wishes,
Caio Azevedo
Caio Azevedo
