2. Un-lever equity Beta from equity beta, debt beta, tax rate, debt/equity (leverage) and re-lever asset beta to debt/equity (leverage) to derive equity beta
3. Weighted average Cost of Capital (WACC)
4. Weighted average Cost of Capital Valuation
If yes, this simple app might be suitable for you
A simple app to track your daily incomes and expenses
user manual available in bahasa indonesia,could be downloaded in https://dl.dropboxusercontent.com/u/28839865/User%20Manual%20-%20Pencatat%20Keuangan%20v1.5.pdf
Fix bug to improve stability
Adding delete feature in payable / receivable transactions
Adding delete feature for configuration record
Fix bug when accessing home screen
Relayout UI (Need input whether you like the new UI)
New feature : Backup and restore db (Pencatat keuangan database saved with extension .pkdb)
Fix crash on several devices
- Patch update for anyone who has problem in upgrading
- Improve stability, fix crash in several area
- Fix issue date choosing on payable and receivable
- Application language setting added
- Password protected setting added (beta) - default password 1234
Dengan mobile, anda tidak akan lupa untuk mencatat transaksi keuangan di bisnis anda. Anda juga bisa melihat laporan keuangan dengan mudah.
Untuk versi ini ada beberapa catatan yang perlu diperhatikan :
1. Registrasi hanya bisa melalui website
2. Setelah registrasi, login dulu ke website untuk memasukkan data tentang akun keuangan yang akan digunakan. Pengelolaan akun keuangan hanya bisa dilakukan melalui website.
1. Kalkulator untuk menghitung diskon
2. Simulasi Deposito
3. Simulasi Tabungan Rencana
4. Pencatat pengeluaran bulanan
5. Informasi Kurs / nilai tukar mata uang (dolar, rupiah, euro, dll)
6. Daftar kode bank ATM bersama dan kode SWIFT
7. Informasi suku bunga KPR
8. Simulasi biaya pendidikan
9. Kalkulator Persentase
10. Simulasi Biaya Pajak Jual Beli Rumah
Fitur-fitur lain akan ditambahkan dalam update-update berikutnya.
PEP'eku berbasis internet. Yang berarti, Anda bisa meminta karyawan mencatat di kantor lewat komputer di http://apps.pepeku.com , sementara Anda di rumah dapat langsung mengakses datanya lewat aplikasi ini, realtime! Data keuangan tersimpan online, walau handphone atau komputer rusak, data keuangan Anda tetap tersedia.
PEP'eku membantu Anda mengontrol keuangan Anda sehari-hari. Sebuah alat ukur bagi kesuksesan Anda. Berapa penghasilan Anda per bulan? Berapa total pengeluarannya? Berapa selisihnya? Positif? Atau justru negatif? Jika negatif, apa penyebabnya? Kenapa duit sebanyak itu bisa habis? Pengeluaran apa yang harus ditekan?
YUP! PEP'eku membantu Anda menjawabnya! Dengan PEP'eku, semua transaksi bisa tercatat dengan rapi. Anda jadi tahu betapa borosnya Anda dalam pos pengeluaran tertentu, atau malah terlalu hematnya Anda pada pos pengeluaran penting. Bukan hanya tahu kekuatan ekonomi Anda, lebih dari itu, banyak manfaat non materiil yang bisa didapatkan dari PEP'eku, seperti kedisiplinan diri, konsistensi, fokus, dan lain sebagainya.
UNTUK ORGANISASI, KOMUNITAS, DAN WIRAUSAHA KECIL
PEP'eku membantu Anda mengontrol kas dari mana saja dan kapan saja. Mobilitas Anda cukup tinggi? Software akuntansi terlalu mahal dan rumit? Kami sangat paham bahwa tingginya harga, banyaknya fitur yang tak perlu, dan rumitnya pengoperasian justru membuat Anda enggan menggunakan software konvensional. Sebaliknya, PEP'eku gak ribet, simpel, dan "berbeda".
PEP'eku bisa menjadi awal yang bagus bagi sebuah sistem informasi dan pembukuan profesional. Anda bisa mengetahui jumlah kas dan mengontrol keuangan dari manapun dan kapanpun. Anda juga bisa mendownload laporannya di PEP'eku versi Desktop ( http://apps.pepeku.com ) lalu mencetaknya.
MUDAH DAN PRAKTIS
Sejak awal diciptakan, konsep “Mudah” dan “Praktis” adalah yang menjadi dasar utama PEP'eku. Kami berusaha semaksimal mungkin agar teknologi ini bisa melayani Anda (bukan sebaliknya!). Yup, Zero Learn Point! Tanpa harus belajar apapun, bisa digunakan siapa saja. PEP'eku sangat praktis, gampang dimengerti, serta berbahasa Indonesia. Cukup catat pengeluaran dan pemasukan Anda, lalu lihat laporannya. That's all!
Tidak masalah Anda menggunakan PC, Mac, Android, iPhone, ataupun tablet, PEP'eku akan selalu hadir saat Anda terhubung dengan internet. Tinggal download aplikasi ini atau akses langsung PEP'eku lewat komputer di http://apps.pepeku.com.
Info lebih lengkap kunjungi:
Petunjuk dan jawaban atas pertanyaan yang sering diajukan (FAQ):
Emulates ALL functions of the original HP12C financial calculator GOLD Edition such as:
TVM (loans, savings and leasing)
Cash flow analysis NPV, IRR
% change, % of total
Price and yield to maturity of debt
Depreciation method: SL, DB, SOYD
Cumulative statistical analysis
Standard deviation, mean, weighted mean.
Forecasting, correlation coefficient.
Total, Σx, Σx2, Σy, Σy2, Σxy
+, -, X, √, ÷, 1 / x, ±, In, ex, LOG, 10x, x 2
*Time management and data:
**The app 12C GOLD emulates all functions of the official HP 12C GOLD Edition, if you want the functions of HP 12C PLATINUM Edition search for 12C PLATINUM in Android Market.
Discounted Cash Flow Model (DCFM) is financial application designed to help you to estimate the attractiveness of an investment opportunity, analyzing the futures cash flows that a firm will generate for the investor (free cash flow) and discounts them at an appropriate rate to arrive at present value (concepts of time and risk value of money).
The DCFM takes in account the Oppotunity and Risk of the investment, and the Inflation over time using the Present Value concept.
Key Components of the DCFM
Free cash flow (FCF) – Cash flow generated for the investor
Terminal value (TV) – The value of an investment at the end of a period (when is expect that all future free cash flows stabilize at a constant growth rate in perpetuity.), discounted at an appropriate rate to arrive at present value
Discount rate – The rate appropriated used to discount the estimated FCFs and terminal value to their present values - generally has a WACC (Weighted Average Cost of Capital).
This trading tool allows:
☆ Store (save, load, and delete) your calculations to the internal memory or the SD memory Card for next time (useful to compare similar companies or a compare a company over different periods)
☆ User to email a brief summary with the results of the DCFM.
"Price is what you pay. Value is what you get." - Ben Graham
This mobile application was designed to make your investment decisions easier, convenient and more profitable.
DISCLAIMER OF WARRANTIES: Neither ATM and Octávio Viana guarantee the accuracy, integrity, completeness, or timeliness of the DCFM application or any results generated by it. Likewise, ATM and Octávio Viana hereby disclaim all warranties or conditions, express or implied, related to the DCFM or the results provided by it, including, but not limited, to absence of viruses and damaging, any warranties or representation that the DCFM application will be error-free or that access thereto wil be uninterrupted, that any errors or defects will be correctable or corrected. The DCFM application maybe is not compatible with any particular device, be sure if feet in your device before buy it.
Limitations of Liability: Your use of the DCFM is solely at your own risk. Neither ATM | Investors' Associations and Octávio Viana shall have any liability (whether direct, indirect, incidental, consequential, special, exemplary or the like, including, but not limited to, investment losses or lost profits) to You or any other party arising in any way from your use of, or inability to use, the DCFM application.
No Advisory Relationship: You understand and agree that the ATM or Octávo Viana, including, but not limited to, the results and the summary that may be provided by the application, does not constitute “investment advice” of any kind or establish any sort of advisory relationship between You and ATM or Octávio Viana. You further understand and agree that ATM or Octávio Viana does not endorse or recommend any financial products that may be used in conjunction with the DCFM application.
Investment in any security involves risk that, upon redemption, the security may be worth more or less than the original investment. You are strongly encouraged to seek assistance from a financial professional to determine suitable investment options for your risk tolerance and/or obtain each financial product’s prospectus (or its equivalent) prior to investing.
Governing Law: This Agreement shall be construed under the laws of Portugal. You agree to the exclusive jurisdictions of the state or federal courts located in Porto, Portugal, for any claims or action arising in any way with respect to the DCFM application or this Agreement.
If you buy the application you are agreeing to the terms and conditions in this Agreement.
If You do not agree to the terms and conditions contained in this Agreement, don't buy the DCFM application.
★ This application helps your budget and tracks your spending quickly and easily.
★ Business expenses, personal expenses, travel expenses can all be managed rapidly using Amber Money expense manager's simple and intuitive user interface.
★ Interactive reports and graphs let you analyse income, expenses, payments, cash flow and balance over various date.
★ Amber Money acts like financial calendar, alerts you to debts, and reminds you of transactions. Add customized categories for income or expenses.
List of extensive features:
- Tracking expenses and incomes by week, month and year as well as by categories
- Schedule the payments and recurring payments
- Attach location and photo to expenses
- Simple and clear statistics
- Payment alerts
- Dropbox and SD Card backup
- Customize expense categories
- Support multiple currencies
- Full tablet support
- PIN code
Operates in English, French, Spanish, German, Korean and Russian. Works with all types of currencies. Backup and restore your data.
Cheaper than Toshl - you buy PRO version once. No subscription!
Amber Money is much easier than My Budget Book, EasyMoney, Mint, Pageonce, Mint.com, Daily Money, Spendroid, You Need a Budget, Money Manager.
If anyone can help with translating to other languages or giving valuable feedback, don’t hesitate to email me via: firstname.lastname@example.org
NOTE! The app is free to try but requires in-app purchase for adding more than 2 accounts and budget planning in future.
Plan your spendings and income in advance. With this simple tool you will be able to see your current and even future financial situation right on the calendar.
Input your periodic expenses and sources of income and check the estimated balance for any date in the future on the calendar view. Then you can add some planned spendings or payments to check whether you are able afford it by specific date. You can track multiple accounts for better control over your finances.
As a bonus feature simple finance statistics are available, like month and week averages.
Income and payment transactions
Single or periodic transactions
Daily balance and transaction lists on calendar view
Budget planning in future*
Simple stats and totals
Filter transactions, balance and stats by account
*In-app purchase required to unlock
Please rate if you like!
-Other languages (if you'd like to help, please contact email@example.com)
Register directly on your phone
• No need to visit a pavilion, phone or go online to register.
Set recurring transactions
• Whether you’re paying bills or transferring funds between accounts, you can easily set the start date, frequency and end date of recurring transactions and not worry about them again.
Update your info
• You don’t have to jump through hoops to do tasks as simple as updating your address and phone number, resetting your password, or changing your personal verification questions.
Check account balances
• Check account balances on all of your PC Financial® deposit, borrowing and investment accounts.
• Pay bills you’ve already set up in PC Financial® Online Banking or set up new bills and future bill payments so you don’t miss a deadline.
• Transfer money between your eligible PC Financial® banking accounts or other banks.
See past and upcoming transactions
• View past and upcoming transactions, including bill payments and transfers.
Send and receive INTERAC® e-Transfers
• Send and receive INTERAC® e-Transfers to anyone on your recipient list or add new recipients from your contact list*. You can also check the status of the e-Transfer.
Locate bank machines and pavilions
• Use the GPS on your device to find nearby PC Financial® and CIBC bank machines and PC Financial® pavilions
View cheque images
• View enlarged images of all your cleared cheques.
• View statements for your accounts
If you're currently enroled in President’s Choice Financial® Online Banking, you can use the same card number, password and personal verification questions to sign on to PC Financial® Mobile Banking for Android.
Security while you bank
Ensuring the safety of your information online is vitally important. When you bank using the PC Financial® mobile banking app, your information is protected under the PC Financial® Personal Banking Online Security Guarantee. You can bank with confidence knowing your privacy is safe for more information just look under Security at pcfinancial.ca
Although PC Financial® will not charge any fees to access mobile banking, additional service fees may be charged by your internet or wireless service provider for access through your electronic device. Check with your service or hardware provider if you have questions about your specific electronic device.
*When sending e-Transfers, you can have the President’s Choice Financial® mobile banking app access information from your contact list to fill in the required recipient information. At no time is that contact list data transmitted to or shared with PC Financial®.
®PC, President's Choice, PC Financial and President's Choice Financial are trademarks of Loblaws Inc.
INTERAC® is a registered trademark of INTERAC Inc. CIBC a licensee of the marks.
President’s Choice Financial® personal banking services are provided by the direct banking division of CIBC.
Banking services not available in Quebec.
1. Goal Planner
Goal Planner will help you to plan for any financial goals like Child Education or Child Marriage. It calculates the monthly investment required for achieving the goal. You can give the goal present value, No of Years remain, Inflation, rate of returns on your investments.
Present Value : 8, 00,000
Number of Years remain : 15 Years
Rate of Return (%) : 12
Inflation (%) : 7
Future Value : 22, 07,225
Monthly Investment : 4,418
Lump sum Investment : 4, 03,252
Example: Suppose you want to plan for your Child education which costs 8, 00,000 today. The Number of Years remain is 15 years and the inflation you expect is 7% and you expect 12% return from your investments. In that case future value is 22, 07,225 and to achieve that future value you need to invest 4,418 per month or lump sum invest 4, 03,252.
2. Retirement Planner
Retirement Planner helps you determine how much money you will need for your retirement to maintain the current lifestyle post retirement. You can give the Current Age, Retirement Age, Current Monthly Expenses, Expected Inflation, rate of returns on your investments before retirement and rate of returns on your investments after retirement.
Age (Years) : 30
Retirement Age (Years) : 58
Monthly Expenses : 30,000
Inflation (%) : 7
Rate of Return (%) on investment Before Retirement : 15
Rate of Return (%) on investment After Retirement : 10
Monthly Expenses at retirement : 1, 99,465
Yearly Expenses at retirement : 23,93,582
Retirement Corpus : 3, 99, 98,159
Monthly Investment : 7,719
Suppose you are 30 years old who wants to retire at 58 and expect to live till 80.
If your current Monthly Household Expenses (excluding expenses which will not be part of it post Retirement e.g. EMI, Insurance Premium, Education Expenses etc) are 30000,
You expect inflation to be around 7% for next 28 years,
You expect 15% return on your investments before retirement and
During retirement you expect that your investments will return 10%.
So Number of Years left for your retirement are 28 years and at retirement you will require a retirement corpus of 3,99,98,159 for which I need to save 7,719 per month.
3. Systematic Investment Plan (SIP) Calculator
SIP calculator will calculate the future value of SIP (Systematic Investment Plan) Payments. It helps you to calculate future value of your monthly investment in Mutual Fund, Public Provident Fund (PPF) or Fixed Deposit (FD) in bank or post office.
Monthly SIP Amount : 5,000
Tenure (Years) : 10
Rate of Return (%) : 12.0%
Investment Amount : 6, 00,000
Maturity Value : 11, 50,193
Example: If you want to start an SIP of Rs 5,000 per month and you expect your investments will return 12%, then in 10 years you will generate 11, 50,193 compounded yearly.
4. Loan Calculator
This calculator helps to quickly calculate EMI (Equated monthly Installment) of home Loan, Car Loan or Personal Loan. It also shows loan repayment schedule with total interest paid and total principal amount paid at the end of every financial year.
Loan Amount : 25, 00,000
Loan Tenure (Months) : 240
Interest Rate : 10.5%
EMI : 24,960
Total Interest Paid : 34, 90,287
Please send suggestions and issues to my E-mail address firstname.lastname@example.org.
You can save any of the calculations and load them later, share it with free or email to yourself.
Many users gave this app a low rate because not all calculators are enabled in this free version. I can understand but that's unfair to us. Anyway, in the new 2.0 release, instead of prevent you from using some more advanced calculators, we will allow you to use them by showing a full screen ads. If you don't like to see any ads, you can always upgrade to the full version which has no ads, but at least now you can use all the calculators.
• Stock with real-time, after-hour, pre-market quotes
• Technical charts
• Track your portfolio with shares and cost
• Stock option chain
• Market overview with indexes, funds, ETF, etc.
• Financial news from major news sources
• Currency portfolio, converter and news
• Commodity futures
• Economic Indicators
• Stock, portfolio, currency and commodity widgets
• Expense Manager
• Hot Deals
• Loan Calculator
• Compound Interest Calculator
• Retirement/401k Calculator
• Tip Calculator
• much more
The analysis report is displayed, which is the ratio of an explanation, periods of ratios and numbers in the diagram.
The report can be sent to PNG image file.