Analyze your investments easily with Zoho Writer's new formulas
Hey Zoho Writer users!
We are happy to let you know that we have enhanced Zoho Writer's formula with new functions to calculate your investment's present value (PV), net present value (NPV), and future value (FV).
These functions can help you determine the value of a series of cash flows from an investment compared to a discount rate (such as inflation or interest). Read on to learn their syntax and how to use these functions.
NPV function
Syntax
=NPV(discount, cashflow1, cashflow2, ...)
Inputs:
discount | The discount rate of the investment over a period |
cash flow | The amount of money coming in or going out in the investment period |
Note:
The discount should be provided as a decimal number. For example if the discount is 3% then the value should be 0.03.
Calculate NPV with the initial investment amount by adding it in the first cash flow parameter as a negative amount.
Tip:
Discount can also be mentioned as a table cell reference or merge field.
Cash flow can be mentioned as a table cell reference, merge field, or a table cell range (if it is used in a table in the same document).
Examples of NPV
Example | Syntax | Output |
Calculate the NPV of a $3,000 investment with cash flows of $5,000, $2,000, and $4,500 at a discount rate of 10% | =NPV(0.1,-3000,5000,2000,4500) | 5981.1488286 |
Calculate the NPV of an investment with cash flows of $500, $750, and $1,000 at a discount rate of 7% | =NPV(0.07,500,750,1000) | 1899.799 |
PV function
Syntax
=PV(rate, number_of_periods, payment_amount, future_value, end_or_beginning)
Inputs:
rate | The rate of interest over the investment period |
number_of_periods | The number of months, years, or other time periods you are considering as the investment horizon |
payment_amount | The amount you are investing |
future_value | The expected future value of the investment |
end_or_beginning | The time when payment is due in your investment period. The value should be 0 if the payment is at the end of the period and 1 if it is at the beginning. |
Note:
The rate, number_of_periods, and payment_amount should have units of consistent value. For example, for a 24-month investment with monthly payments, the rate should be divided by 24 and the number_of_periods should be 24.
The future_value and end_or_beginning are optional parameters and their default value will be 0.
Here are some examples of PV
Example | Syntax | Output |
Calculate the PV of $500 paid in 5 payments over one year with an interest rate of 5% | =PV(0.05,5,-500,0,0) | 99.98713 |
Calculate the PV of an amount of $100 paid over 12 months, with an interest rate of 5%, paid at the beginning of the investment period | =PV(0.0041,12,-100,0,1) | 338.330 |
FV function
Syntax
=FV(rate, number_of_periods, payment_amount, present_value, end_or_beginning)
Inputs:
rate | The rate of interest over the investment period |
number_of_periods | The number of months (or other periods of time) you are investing |
payment_amount | The amount you are investing |
present_value | The present value of the amount you are investing |
end_or_beginning | The time when payment is due in your investment period. The value should be 0 if the payment is at the end of the period and 1 if it is at the beginning. |
Note:
The rate, number_of_periods, and payment_amount should have units of consistent value. For example, for an investment for 24 months, paid quarterly the rate should be divided by 8 and the number_of_periods should be 8.
The present_value and end_or_beginning are optional parameters and their default value will be 0.
Here are some examples of FV
Example | Syntax | Output |
Calculate the FV of an investment with an amount of $1,000 paid in 6 payments over one year with an interest of 7% and present value of $10,000 | =FV(0.07,6,-1000,-10000) | 2658889000 |
Calculate the FV of an investment with an amount of $500 paid over 12 months with an interest of 5% paid at the beginning of the investment period and present value of $5,000 | =FV(0.0041,12,-500,-5000,1) | 413203.0951 |
How to use these functions in Zoho Writer documents
- Click the hamburger menu located on the top left side of the editor and click Fields.
- Click Formula under the Dynamic Fields category.
- In the New Formula popup, click Choose Function and choose your desired function from the list.
Try the new functions in Zoho Writer and let us know your suggestions and feedback in the comments below or at support@zohowriter.com or support@eu.zohowriter.com.
If you have any functions that you want us to add in Zoho Writer, please let us know.
Regards,
Team Writer
Access your files securely from anywhere
New to Zoho Recruit?
Zoho Developer Community
New to Zoho LandingPage?
Zoho LandingPage Resources
New to Zoho Survey?
New to Zoho CRM Plus?
Deliver unforgettable customer experiences
New to Zoho CRM Plus?
Deliver unforgettable customer experiences
New to Zoho Marketing Plus?
Everything you need to run your marketing
New to Zoho Marketing Plus?
Everything you need to run your marketing
New to Bigin?
Topic Participants
Varadarajan AR
Kiruthika S
Vignesh Vel
Sticky Posts
Zoho Writer's WordPress extensions
Hey Zoho Writer users! Say goodbye to all your WordPress content publishing woes with Zoho Writer's WordPress extensions. Publish content with all your formatting and images, republish content when you update a document, and more—from a single windowEasily perform calculations using dates with the new DATEDIF function
Hey Zoho Writer users! We've enhanced Zoho Writer's formula capabilities with the new DATEDIF function. This allows you to calculate the difference between dates in days, months, and years. Function syntax: =DATEDIF(start_date, end_date, unit) Inputs:Date-based conditions and filters
Configure conditions with date Hi everyone! We are excited to announce that you can now compare and filter data with date-based conditions. This update lets you compare date fields in a document to a reference date and display a text or value if theIntroducing group by, aggregation, and repeating regions in mail merge templates
Display data exactly the way you want and highlight key insights with Zoho Writer's enhanced merge templates. We've supercharged Zoho Writer's merge templates with the capability to dynamically group, aggregate, and repeat data as blocks. You can nowSay hello to an improved way to merge documents!
Automating all your documents from start to finish is now easier than ever with Writer's new merge tools. If you haven't seen it yet, you can read the main announcement here. Here is the full list of the features we've rolled out: 1. Dynamic Table Headers
New to Zoho TeamInbox?
Zoho TeamInbox Resources
Zoho CRM Plus Resources
Zoho Books Resources
Zoho Subscriptions Resources
Zoho Projects Resources
Zoho Sprints Resources
Qntrl Resources
Zoho Creator Resources
Zoho CRM Resources
Design. Discuss. Deliver.
Zoho Show Resources
Get Started. Write Away!
Writer is a powerful online word processor, designed for collaborative work.
Zoho CRM コンテンツ
-
オンラインヘルプ
-
Webセミナー
-
機能活用動画
-
よくある質問
-
Ebook
-
-
Zoho Campaigns
- Zoho サービスのWebセミナー
その他のサービス コンテンツ
Nederlandse Hulpbronnen
ご検討中の方
Recent Topics
string(87) "{"code":"INVALID_TOKEN","details":{},"message":"invalid oauth token","status":"error"} " grtting this error
Using access token i am trying to add sales orders through api but it is throwing errors like the above i have mentioned. Please help me for thatHow to mute chat notification sound by default in Zoho SalesIQ?
We’ve recently embedded the Zoho SalesIQ chatbot on our website, and we’ve noticed that notification sounds sometimes play even when the visitor hasn’t interacted with the chat widget yet. We’re trying to understand two things: Why do these sounds occurKanban View for Projects.
At our organization, we describe active projects with various statuses like "In Proofing" or "Printing" or "Mailing". In the Projects view, one can set these project statuses by selecting from the appropriate drop-down. While this works, it's difficult to view and comprehend the progress of all of your projects relative to each other in a table. Creating a Kanban view for projects where I can move them from one status to another allows me to see where each project is in the order of our workflow.How to Hide Article Links in SalesIQ Answer Bot Responses
I have published an article in SalesIQ, and the Answer Bot is fetching the data and responding correctly. However, it is also displaying the article link, which I don’t want. How can I remove the link so that only the message is shown?Add RECURRING option when adding email to calendar events
When you add an email to a calendar event, there is no option to make that new calendar event into a recurring event. It is counterproductive to make an event from your email to then have to go to your calendar, find the event, and make it recurring.LINE Auto Message Connect to Zoho
When I integrated LINE into the CRM, I was prompted to disable “Chat,” “Auto Response,” and “Greeting Messages,” and to enable the webhook. However, since I have already set up some auto-reply features in LINE, including Rich Messages and greeting automation,Option to block bookings from specific email address or ip adresss in zoho booking
Sometime few of our client keep booking irrelevant booking service just to resolve their queries and they keep booking it again and again whenever they have queries. Currently its disturbing our current communication process and hierarchy which we haveThreaded conversations for emails sent via automation
Hi Guys, I hope you are doing well. Don't you guys think we should have an option in a workflow to notify users either as a new email or the previous email thread. For example, if you have one deal in the process and there are 10 different stages duringCreate folder is fetch fails
coming from zapier... zapier has a google drive task that searches for a specific folder in google drive, and if it fails to find the folder it will create a folder based on the search criteria, and contine along the singluar path of the flow. TryingMeetups de Usuarios de Zoho - Noviembre 2025
¡Hola, Comunidad! Durante el mes de noviembre celebraremos los Meetups de usuarios de Zoho, encuentros presenciales pensados para quienes queráis mejorar vuestras estrategias de lead nurturing y aprender a sacar el máximo partido a herramientas como ZohoIntroducing 8 New Connectors in Zoho DataPrep!
We’ve just made data management even easier - Zoho DataPrep now supports 8 new external connectors to help you build more robust, scalable ETL pipelines. Why it matters: ✅ Broader data access ✅ More automation, less manual work ✅ Smarter pipelines, betterSales Order, Invoice and Payment numbers
Hi zoho friends, it is me again, the slow learner. I'm wondering if there is a way to have it so the Sales order, invoice and payment numbers are all the same? It would be easier for me if they were the same number so there is not so many reference numbersFirst day of trying FSM in the field.
What we found. 1. with out a network connection we were unable to start a service call? 2. if you go to an appointment and then want to add an asset it does not seem possible. 3. disappointed not to be able to actually take a payment from within the appHow to Automate Email Sequence
I'm having trouble trying to set up a workflow to automate an email sequence. Once a group of emails in a Task has been tagged by a certain tag, I want an instant email template to be sent. After 7 days with no response, another email template would beTurning off the new UI
Tried the new 'enhanced' UI and actively dislike it. Anyone know how to revert back?Zoho Sprints Android v2.0.4 app update: Item reminders, archive Epics, Kanban projects, Epic progress
Hello everyone! In the latest version(v2.0.4) of the Zoho Sprints Android app update, we have introduced various new features. Let's take a look at what's new! Item Reminder Stay organized and never miss an important date with the all-new Item ReminderCredit Management: #3 Setting Credit Limit for Customers
Think about that one familiar customer of yours who always buys on credit. They usually pay on time, maybe a little late here and there, but not alarming. So, you are fine saying, "Sure, pay later." Then, one day, they place a significantly bigger orderUpdate on the client portal URL for Guest users
We’re updating the way Guest users access their Connect network. As part of this change, all client organization portals used by Guest users will now be accessible through a dedicated domain specific to each data center. The access URLs mentioned hereUnable to see Zoho contacts in Zoho app on ios
Hi Support Team, I am a new user, I have created my account and installed zohomail app on iOS 16 which works. I was also able to import my Gmail contacts into Zoho Contacts, which I can see. The problem is that I can’t see these imported cobalts in ZohomailTask Due Date greater than 10 years.
We use recurring tasks in Projects where every week, month, year etc Some of our projects are greater than 10 years and we are unable to set a new due date because the difference between start date and due date is greater than 10 years. As an exampleExternal User onboarding for zoho connect is not really intuitive.
So the external user is sent an invite, which has a button that directs them to login to zoho to view the invite, but if they don't have a zoho account, they cannot access that invite, which seems kinda silly, as there is not real way on for them to createHosting external websites on Zoho?
How can I host my external website on zoho? Do we have that option? I am currently with hostinger and am looking to switch to zoho. Kindly help. Thanks.How to Add Time Formula Duration (hh:mm)
Hi everyone — I’m trying to create a formula field in Zoho CRM that calculates the difference between a “Call Start Time” and “Call End Time” and displays the duration in HH:MM format (for example: 1:04 for one hour and four minutes). My current setupHow can I calculate the physical stock available for sale?
Hey Zoho Team, I've tried to calculate the physical stock on hand in various ways - but always receive a mismatch between what's displayed in Zoho Inventory & analytics. Can you please let me know how the physical stock available for sale is calculated?Set Custom Icon for Custom Modules in new Zoho CRM UI
Marketing Tip #4: Build your email list early
Email marketing has one of the highest returns on investment. Don’t wait until later; start collecting subscribers now. When you've got their attention, you can send them emails about offers, new product launches, seasonal greetings, and more. Try thisIs anyone else having trouble saving a custom image in their email signature, or is it just me?
When I try to save the image I get an error that says "Operation Failed" I opened a support ticket two weeks ago and received a response that it would be debugged, but it still isn’t workingUnify Overlapping Functionalities Across Zoho Products
Hi Zoho One Team, We would like to raise a concern about the current overlap of core functionalities across various Zoho applications. While Zoho offers a rich suite of tools, many applications include similar or identical features—such as shift management,Zoho Desk Domain mapping / Cloudflare CNAME not recognized
Hello, my website is behind Cloudflare and SSL. From the Cloudflare control panel I added a CNAME record such as support.mydomain.com pointing to desk.cs.zohohost.com but I'm stuck with the message "Make sure you've mapped the CNAME entry..."Create an Eye-Catching Announcement Widget for Your Help Center
Hello Everyone! In this week’s edition, let’s explore how to keep your customers updated with exciting news in the Help Center. See how ZylkerMobile wowed their customers by bringing updates right to their portal. ZylkerMobile, the renowned brand forI want to add my other zoho account in same pc
why does zoho restrict me doing many things as i also want to add my second mail account bit its not allowing me to do thatSearch in Zoho Community Not Working
I realize this is a bit of a meta topic, but the search for the various Zoho Communities appears to not be working. I'm under the impression that they run on some version of the Zoho Desk platform, so I'm posting this here.Capture Stripe’s Customer ID
Does anyone know of a way to capture Stripe’s customer ID that is created when the form/payment is processed? I would like to have the customer ID stored in our CRM so we could utilize in some custom functions down the road.Custom Modules - Where are Comments??
In the standard ticket module and in the tasks module, we have an interactive comment box that we can post important details/notes and can tag others if needed. Where is this functionality for Custom Modules? Ideally, custom modules would have very similar,Zoho Mail will not set up in Thunderbird
I am using Thunderbird 13.0.1 in Linux Mint 13 64-bit. I cannot set up my Zoho IMAP email in this client. This is evidently a common problem as evidenced by these postings in the Thunderbird forum: thunderbird can't seem to "find the settings" I cannot configure it for my zoho.com email account I can not get ZOHO to configure. Any suggestions? The best T-bird seems to be able to do is to refer these users to the Zoho forum. I believe the instructions in the Zoho help wiki are correct, althoughZoho ShowTime: Certificates of Completion - Award your learners with a sense of achievement
In our increasingly competitive market, professional trainers need to differentiate themselves if they are to survive. One way to do this is to focus on innovation and deliver an ideal learning experience. By developing a renowned certificate program that provides learners with a specialized skill set for a particular industry, both trainees and future prospects will recognize the trainer's leadership in that field. This can help with long-term growth, revenue generation, and even marketing and branding.IMAP Migration from Gmail
I have been trying to import my email from a Gmail server and keep receiving the following error. I have reduced the security, activated imap and no improvement. The link to the Google support item has not helped. Unable to connect to your account. PleaseYour Incoming has been blocked and the emails will not be fetched in your Zoho account and POP Accounts Click here to get unblocked.
When entering my account, this error is thrown at me, and I deleted a good part of my deleted messages, but I still can not unblock it, I would appreciate your help. reservas@lineasperutravel.comRequest for Creating Multiple Email Accounts on One Mobile Number
Dear Zoho Team, I am planning to shift all my work-related communication to Zoho Mail because of its reliability and features. For my work, I need to create 3–4 separate email accounts for different purposes. Could you please confirm if it is possibleSignature issue
Problem: The signature does not appear when replying or forwarding an email. solve issue: settintgs/Signature Check option place a signature above the content with quotation marksNext Page