Cash flows
Payments are compared at their actual timing and over equal horizons.
METHODOLOGY · PLATFORM V3
How RATIOXA calculates.
No black box. Every statement follows documented formulas, your inputs and clearly marked assumptions.
Present value & NPV
Future cash flows are discounted to today with an entered discount rate.
IRR
Internal rate of return is the rate at which NPV equals zero. If no mathematical root exists, none is shown.
Break-even
Crossovers are found with robust numerical solvers inside defined bounds.
Debt & amortisation
Annuity schedules separate interest, principal and balance without counting principal twice as cost.
Uncertainty
Returns, appreciation and energy prices are user assumptions, not forecasts.
CORE FORMULAS
Cashflow → Present value → Decision.
No black box. Every statement follows documented formulas, your inputs and clearly marked assumptions.
payment = principal × r
÷ (1 − (1+r)⁻ⁿ)NPV = Σ cashflowₜ
÷ (1 + discount rate)ᵗfind r where
NPV(r) = 0find x where
scenario A(x) = scenario B(x)RATIOXA METHOD
Cash flows
Payments are compared at their actual timing and over equal horizons.
RATIOXA METHOD
Present value & NPV
Future cash flows are discounted to today with an entered discount rate.
RATIOXA METHOD
IRR
Internal rate of return is the rate at which NPV equals zero. If no mathematical root exists, none is shown.
RATIOXA METHOD
Break-even
Crossovers are found with robust numerical solvers inside defined bounds.
RATIOXA METHOD
Debt & amortisation
Annuity schedules separate interest, principal and balance without counting principal twice as cost.
RATIOXA METHOD
Uncertainty
Returns, appreciation and energy prices are user assumptions, not forecasts.