Finance Formulas
Simple Interest: I = Prt, FV = P(1+ rt) (r = per year)
Compound Interest: FV = P(1+ i)n (i = per term)
Ordinary Annuity: FV = pymt (1 + i)n − 1
i
Annuity Due: FV(due) = FV(ordinary) . (1+ i)
Legal Loan amount = Loan amount − points − fees
Payout Annuity
Amortized Loan P(1+ i)n = pymt (1 + i)n - 1
i
Area and Volume Formulas
Sphere: V = 4
3 πr3, A = 4πr2
Triangle (Heron): A = s(s - a)(s - b)(s - c)
where s = 1
2(a + b + c)
Statistics
Sample Variance: s2 =∑ (x - x
_)2
n - 1 = 1
n - 1
∑ x2 - (∑ x)2
n
Sample Standard Deviation: s = variance
Margin of Error: z
α/2
2 n z-score: z = x − x
_
sd = x − µ
σ
c
b
a
