### Real-life examples:

Indexation of an amount based on a fluctuating indexation table

Creation of an indexation table from variable payments

Nominal interest rate – effective (real) interest rate converter

Various date calculations

International sales tax calculations

## Indexation of an amount based on a fluctuating indexation table

Calculates the actual or future value of a product, service (or other) following an indexation table.

A few concrete applications:

• Effect of inflation (or other index) on the present value of a product, service, indemnity, etc.
• Comparison of a stock market investment and a term deposit or other.
• Present value of an historical investment in various market indices, mutual funds or other…

## Creation of an indexation table from variable payments

This utility creates, using variable periodic payments (regular or irregular) an indexation table which may be used thereafter in other calculations (“Accrual by Installment”, “Present Value” or “Indexation of an amount”).

This allows the user to enter the payment changes and corresponding dates in order to obtain an indexation table that can then be used to create complex interest tables with uniform and non uniform payments.

## Nominal interest rate – effective (real) interest rate converter

Based on a compounding period, converts a nominal interest rate to the corresponding real interest rate. The effective rate may also be converted to the nominal rate.

The calculation also allows to convert an interest rate quoted on a particular basis (monthly or other) and to convert this rate on a different basis (semiannually or other). For example, a nominal annual rate of 8.25% compounded monthly equals an annual nominal rate of 8.393% compounded semiannually (the effective rate in both cases is identical at 8.569%). Banks will often use different nomenclatures for which comparisons may be difficult unless these can be converted to an effective interest rate.

## Various date calculations

This simple utility allows the calculation of deadlines, number of days between dates, etc…

## International sales tax calculations

This simple utility allows to calculate the sales taxes for various countries, states or provinces. Margill contains a number of sales taxes and others may be added.

Taxes included (Your sales tax is not included? You can simply add it in Margill in seconds)

 United States State Tax (California) State Tax (District of Columbia) State Tax (Florida) State Tax (Illinois) State Tax (Illinois, F&D) State Tax (Massachusetts) State Tax (Michigan) State Tax (New Jersey) State Tax (New York) State Tax (New York City) State Tax (Ohio) State Tax (Pennsylvania) State Tax (Texas) Canada GST (Canada) HST (Canada) PST (Québec) PST (Ontario) PST (British Columbia) PST (Manitoba) PST (Prince Edward Island) PST (Saskatchewan) Europe VAT (Great Britain) TVA (France) TVA réduit (France) TVA (Belgique) TVA (Luxembourg) TVA (Suisse) Australia GST (Australia)