Finance
Calculate money's value across time
When a payment or collection date moves, place the cash flow on a timeline; compute the effect of interest, level payments, and long horizons in one present-value model.
Your learning route
The program order
Complete the programs in order to finish the route. Each one brings short lessons, applied practice and a realistic business case together.
Plus and Pro members can create a verifiable Stratify certificate when the route is complete.
- Program 01
Placing cash flows on the timeline
Foundational: you translate the time value of money into a cash flow timeline. By the end of this program you can place each payment at its date, match the rate to its period, and compute present or future value.
- Money today, money tomorrow
Apply it: Closing case: defend the cash flow
4 lessons · ≈3 hours
- Program 02
Valuing regular payments and debt
Intermediate: you learn to price level payment streams, convert quoted rates to the rate a payment schedule needs, and see what a loan costs in total. By the end of this program you can build an annuity calculation, check the rate-period match, and compare payment plans on monthly burden and total interest.
- What compounding frequency changes
Apply it: Closing case: choose the payment plan
4 lessons · ≈3 hours
- Program 03
Modeling long-term cash flows
Advanced: value perpetual and growing cash flows over long horizons. By the end of this program you can price a growing perpetuity, enforce the g < r boundary, separate real from nominal rates, and keep growth, inflation, and discount assumptions consistent in one long-term model.
- Value a stream that grows
Apply it: Closing case: fund a permanent grant
4 lessons · ≈3 hours