C-Value!, The Cash Flow Calculator


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.

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.
  • 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

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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