Systematic Business Calculator - Single User

Features

• Ease of use
• Comprehensive on-line help with examples and explanations activated by pressing F1
• Clear input screens - developed from practical training sessions
• All the information on-screen - helps to reduce input errors
• Excellent for advanced structuring and ‘what-if’ analyses
• Effective for learning purposes
• Print capability for keeping results

Who needs it?

The application has been designed to assist a wide cross-section of users:

• Professionals want easy-to-use tools for structuring and optimising proposals. Complex calculations such as multiple rentals on signing and a final residual value require a program, a series of precise keystrokes or developing a spreadsheet solution. Alternatively when you have entered all the numbers, you may want to change a cash flow and this can be unwieldy when you have a number of cash flow series in a calculator.
• Students and course attendees often have difficulty in getting to grips with time-line diagrams and analysing examples. Entering and reviewing the precise cash flows is difficult with hand-held calculators. You enter a number, push a button and it disappears. Often students want to look at all the variables at once to understand the problem or see where they are going wrong.

The Systematic Business Calculator will assist these and other users: it displays all the inputs on a single screen and gives you a series of useful built-in time versus money and cash flow structures. It also calculates accompanying data such as the APR, net advance, total charges etc. You can see the whole problem with its solution and get a better understanding of the timing and value of the cash flows. 

Supposing you wanted to calculate a complex structured loan or lease rental over three years at 14% where three periodic rentals are due on signing together with initial and terminal pauses and a final residual value. You could enter the program in your calculator manual, iterate a solution with a spreadsheet or use the Systematic Business Calculator.

Here you enter the variables you know and press PMT (Payment) to calculate the rental required directly. The rental to return a yield of 14% is 92,876.18.  You get lots of information on the proposal and of course you can always print out the result for future reference.

The screen also displays the dates of the cash flows together with their values. This way it helps to cut down simple input errors and give you a clear idea of the solution.

Notice also that certain of the boxes are greyed out since you do not need them for this structure. The application checks your inputs and will tell you if you have errors or need to input more variables.