Annuities/Time Value of Money - Can solve for both simple and general annuities. Payments can be due at the beginning or the end of the period. Solves for Present Value, Future Value, Period, Interest Rate, and Payment. The payment period and the interest period can be of equal or different frequency.

Bonds and Securities - Solve for Accrued Interest to Maturity, Accrued Periodic Interest, Bond Duration, Bond Price, Discount Rate, Modified Bond Duration, Received Amount at Maturity, Discounted Yield, Yield to Maturity, and Yield to Maturity - Periodic Interest.

Equivalent Interest Rates - Enter the known interest rate and compounding period to calculate an equivalent rate at a new compounding period.

Compound Interest - Calculates interest earned and can solve for Present Value, Future Value, Period, and Interest Rate.

Internal Rate of Return - Calculates the IRR for any number of cash flows, both deposits or withdrawals. After the calculation is made, you have the option of printing a professional looking report for your client.

Irregular Loan Amortization - Calculates the interest, principal, remaining balance, and deferred interest. Enter the payment date, payment, and interest rate for up to 1000 payments. Each entry can be different then the previous one. Prints amortization report.

Lease Calculations - Find out the real cost of a lease. Calculates the interest rate, capitalized value, periodic payment, and the cost amount to book on the financial statement.

Loan and Amortization - Calculates the Loan Amount, Interest Rate, Payment, or Period. You have the option of displaying an amortization schedule on the screen or printing a report.

Loan with Constant Principal - This module will calculate the payment that consists of a constant principal amount, added to the current period's interest, and produce an amortization schedule. In other words, the principal part of the payment will not change. It stays constant for each payment.

Net Present Value - Calculates the NPV of any number of cash flows for a stated Internal Rate of Return. You have the option of printing a report.

Random Number Generator - The Random Number Generator will develop a list of up to 30,000 random numbers from a range of numbers you choose. The range of numbers can be from a low of 0 (zero) to a high of 2,147,483,646. The random numbers the program will generate will be in this range inclusively. You can chose whether the list may or may not contain duplicate numbers. The listing can be printed based on the order the numbers were chosen, or can be sorted from low number to high. This list can assist in developing your Audit Sample.

Simple Interest - Calculates Simple Interest Problems. Can solve for Present Value, Future Value, Period, and Interest Rate.

T-Bills - Solve for the Bond Equivalent Yield, T-Bill Price, and T-Bill Yield.

Business Calculator - For those of you who are more accustomed to a calculator, this is for you. All calculations can be performed using an on screen calculator.

Auto Loan Comparisions - Enter the data for two loans for a complete cost analysis. The analysis can include the tax savings if the interest is tax deductible.

Investment Comparisions - Compare up to 4 investments. Calculates their value at the end of a period you specify. You have the option to include federal and state tax rates as well as an inflation rate. Compare taxable, non taxable, income, and growth funds. Evaluate different interest rates, compounding periods, and payments into fund. For taxable investments, tax earnings annually or at end of fund life. Print a professional looking client report. You can also print a graph if desired.

Lease Versus Purchase of Equipment - The lease vs purchase decision commonly confronts clients considering the acquisition of new assets. To make an intelligent decision, an after tax, cash outflow, present value comparision is required. It sounds like quite a mouthful, but the comparision can easily be made with Finance Pro. After entering the required data, a professional report is printed showing the least expensive alternative. The analysis takes into account your clients tax rate, business use percentage, time value of money, depreciation, and resale value of the asset. The calculation works for all assets including automobiles. If the asset is not business related, you simply show the business use percentage as zero.

Mortgage Loan Qualifier - How many times has your client called you for your opinion on whether he or she would qualify for a mortgage loan, whethe it be a purchase money mortgage or a refinance? Well now you can perform a professional analysis quickly and easily. The printed report will give your client the confidence that you've done your homework. Helps justify your professional fee too!

Refinance Analyzer - You know the drill. Your client calls asking for an answer now and you're for forced to use the general rule of two percentage points. Well you can hardly charge for something like that plus you would be doing your client a disservice as well as yourself. With Finance Pro you don't have to guess, or use the generic two percentage point rule. The analysis is complete and easy to perform.

Rent Versus Owning a Home Comparision - Analyzes not only cash flow, but also calculates the net worth of owning and renting at the end of any period you specify. You can then print a professional looking report for your client.

Traditional IRA vs. Roth IRA - Calculates up to 4 scenerios at one time. Enter the number of years to retirement, number of years in retirement, Federal and State tax rates before and after retirement, total IRA contribution and the deductible contribution, and the expected rate of return on investment. The program calculates the amount at retirement in the Roth IRA, Deductible IRA (including tax savings), and Non Deductible IRA. It will also calculate the annual after tax amount to withdraw after retirement.

Ratios - Finance Pro comes with 27 ratio calculations to help you analyze the financial condition of your company. Ratios included are:

1. Accounts Payable
2. Accounts Receivable
3. Acid Test - Quick
4. Bad Debt
5. Cash Flow
6. Conversion
7. Current Liability
8. Current
9. Defensive Interval
10. Deposits Times Capital
11. Direct Cost to Sales
12. Discretionary Cost
13. Dividend
14. Equity

15. Fixed Asset
16. Indirect Labor to Direct Labor
17. Interest Coverage
18. Inventory
19. Investment Income to Investments
20. Lawsuit Damages to Sales
21. Leverage and Financial Leverage
22. Loan Loss Coverage
23. Loans to Deposits
24. Maintenance and Repair Index
25. Non current Assets to Non Current Liabilities
26. Operating Assets
27. Operating Revenue to Property