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In particular,
- the amortization speed is completely manageable (growth rate, step by
step)
- the interest can be calculated on 4 day-bases: 30/360, Actual/360,
Actual/365, Actual/Actual
- Variable rate loans: you can
determine the interest rate of any payment
- Payment schedule: table and
detailed chart of payments
- All the loans you can
imagine, or almost, can be managed by X-DEBT!
EFFECTIVE INTEREST RATE AND RISK OF LOANS
- X-DEBT
enables you to know the true
cost of the loan and to evaluate your situation with regard to risk
-
Indicators included: IRR ("Actual/Actual" day-basis), MIRR, APR,
Effective Interest Rate, NPV.
-
NPV: you can specify a discounting rate for each payment date (useful for
precisely discounting in particular with zero-coupon rates)
LOAN PORTFOLIO
MANAGEMENT
- No size limits to create
customer accounts (easy modifying and deleting)*.
Store your customer accounts in the built-in database.
- No size limits to create loans for each customer account (easy modifying
and deleting)*. Store your
loans in the built-in database.
- Visual indicator for the current situation of loans ("outstanding" or
"totally repaid"); useful for deleting loans which are totally repaid.
- Debt evolution: table and chart (you can view the evolution of the
outstanding principal or that of the annual payments)
Calculates the IRR on the total debt.
- Breakdown between variable and fixed rate debt (table and graphs).
- Simulate the effect of changes in interest rates on future annual payments.
-
Measure
the risk exposure of the debt (risk indicators: "opportunity risk" indicator
and "cash flow risk" indicator)
ACCOUNTING
X-DEBT
calculates the Accrued Expense Payable for each loan
LEASES (X-DEBT ADD-IN)**
- Determine if leasing or borrowing is best for you. In
particular, compare lease offers with the loans that you create in X-DEBT.
- Calculate the Net Advantage of Leasing (NAL).
- Measure the sensitivity of the NAL to changes in uncertain factors, such
as the asset’s residual value at the end of the lease.
- Store your leases in the built-in database
LINES
OF CREDIT (X-DEBT ADD-IN)**
To see the key
features of this add-in, click here
REPORTING
X-DEBT includes numerous printable forms for reporting results
HELP
- Help file included
-
Free technical support by e-mail
(see conditions)
DATA
EXPORT
Enables you to export the main data displayed in screen
to Ms Excel
SQL
In addition, you can easily retrieve, select and export all
stored data with the built-in SQL editor (export data to TXT)
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Languages : English and French
System requirements:
PC, Windows Vista, XP, 2000, NT, Pentium 133 Mhz or equivalent,
32MB RAM, 70MB disk space
Download now!
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