This handles all the classic time value of money calculations: present and future value, NPV, IRR, loan amortization, annuities, perpetuities, and the Gordon growth model. It covers discrete and continuous compounding, so you can compare rates across different frequencies or build a proper mortgage amortization table. Use it when you need to discount cash flows, figure out what a stream of payments is worth today, or evaluate whether a project clears your hurdle rate. The formulas are solid and the examples walk through real mortgage and NPV scenarios with actual numbers. One thing to watch: it mentions a common pitfall about mismatching rate and period frequency but the text cuts off mid-sentence, so double check your own rate conversions.
npx skills add https://github.com/joellewis/finance_skills --skill time-value-of-money