# Basic Finance Formulas

The complete list of basic finance formulas cheat sheet to know how to manually solve the calculations. Users may download the financial formulas in PDF format to use them offline to analyze mortgage, car loan, student loan, investments, insurance, retirement or tax efficiently. The governing formulas of each finance functions are also available with corresponding calculators to help learners or students to know what formula is being used to find the time value of money in the respective calculations. These financial formulas of simple interest, compound interest, mortgage, car loan, EMI, certificate of deposit, term deposit, APR, AER, present value (PV), future value (FV), NPV, loan eligibility, loan payoff, loan refinance, annuity, perpetuity, present value of annuity (PVA), future value of annuity (FVA), fixed deposit, recurring deposit, growth rate, tax & inflation help learners, students, teachers or professionals to learn, teach, know or practice such calculations manually.