# TValue Reviews **Vendor:** TimeValue Software **Category:** [Loan Origination Software](https://www.g2.com/categories/loan-origination) **Average Rating:** 4.8/5.0 **Total Reviews:** 18 ## About TValue Amortization Software for Financial Professionals. Structure any loan, price any lease, or solve any time value of money calculation with confidence. Easily and accurately solve for present values, future values, or an internal rate of return with the power and flexibility of TValue software. Let TValue amortization software expand your financial calculation capabilities! The most capable and trusted financial calculation solution since 1984. ## TValue Reviews ### 1. Powerful tool **Rating:** 5.0/5.0 stars **Reviewed by:** William B. | Chairman, Small-Business (50 or fewer emp.) **Reviewed Date:** March 22, 2024 **What do you like best about TValue?** Incredibly versatile tool and extremely accurate. Fairly easy to learn and simple to use once you're familiar with it. **What do you dislike about TValue?** Annual license fee. I had always purchased perpetual licenses and upgraded when necessary. **What problems is TValue solving and how is that benefiting you?** Accurate rate and payment quotes with flexible input options depending on the financial solution you need. ### 2. Best Amortization Schedules **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Enterprise (> 1000 emp.) **Reviewed Date:** November 18, 2021 **What do you like best about TValue?** The best part about T-Value is that it can adjust the schedules with an unknown factor. If you place "U" as the monthly payment, interest rate, or term, it will calculate based on the rest of the data, which is very convenient. **What do you dislike about TValue?** The only downside to TValue is that it typically is off a little compared to the bank's schedule. This is because banks or other lenders use different software so that the numbers can be slightly off. **Recommendations to others considering TValue:** If you have a different fiscal year-end other than December, you can adjust it on the print page. **What problems is TValue solving and how is that benefiting you?** We are tying out current maturities for the next 12 months to report on the financial statements. We are also providing clients with the information, so they can plan for the next year and have accurate financial statements. ### 3. Amortize **Rating:** 5.0/5.0 stars **Reviewed by:** Baljit S. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** September 01, 2021 **What do you like best about TValue?** TValue software provides easy and convenient tables for each of our loans and notes. Its cloud-based and easy to access **What do you dislike about TValue?** No complaints for TValue at this time. This is running as required **What problems is TValue solving and how is that benefiting you?** It can modify based on varying principal amounts and frequency of payments. ### 4. Easy to use financial tool for loan amortizations and more **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Networking | Mid-Market (51-1000 emp.) **Reviewed Date:** October 19, 2020 **What do you like best about TValue?** Easy to use and many features/applications for calculating loan payments, annuities, etc. Ability to download to MS Office applications. **What do you dislike about TValue?** Nothing really - it seems to do everything you need to do with respect to time value calculations. **Recommendations to others considering TValue:** Inexpensive comprehensive time value application that is easy to use and very versatile. **What problems is TValue solving and how is that benefiting you?** Mostly loan amortization schedules. It makes it much easier to account in real time for principal and interest payments without waiting for a statement. ### 5. TValue **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** October 22, 2019 **What do you like best about TValue?** Very flexible and invaluable amortization tool **What do you dislike about TValue?** I like everything about this product. It is a very valuable tool **Recommendations to others considering TValue:** This is a great product. Use it! **What problems is TValue solving and how is that benefiting you?** Allows me to run amortization schedules ### 6. good experience **Rating:** 5.0/5.0 stars **Reviewed by:** Youyang X. | Financial Analyst, Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2019 **What do you like best about TValue?** I like Tvalue, it is very useful and accurate. **What do you dislike about TValue?** It is functioning very well, I don't have any complains. **What problems is TValue solving and how is that benefiting you?** accurate results ### 7. Great to run complex loan options **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** May 23, 2019 **What do you like best about TValue?** So easy to use. I like that you can have an "unknown" (years, amount, etc.) **What do you dislike about TValue?** Would like to be able to modify a current loan easier. And share a file faster. **Recommendations to others considering TValue:** Great easy software to run amortization schedules on . **What problems is TValue solving and how is that benefiting you?** No longer running excel amortization schedules! ### 8. Functional, But Clunky To Use **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Mid-Market (51-1000 emp.) **Reviewed Date:** April 05, 2018 **What do you like best about TValue?** The software (if you are well versed in how to navigate it) is accurate in its calculations. Auditors are accustomed to working with it so exchanging data is fairly easy. **What do you dislike about TValue?** I find the software (cloud version) to be clunky in appearance and utility. For a software on the market for so many years, I would expect a cleaner user experience. Most disappointing to me is the output of reports to Excel. The Excel based reports are not readily formatted so the data can be used to do additional analysis. **What problems is TValue solving and how is that benefiting you?** I do not use it for business problem solving, rather to compute and project interest expense tied to variable rate loans. TValue has made it easier to do this computation, which results in time saved, and absence of concerns over spreadsheet data integrity. ### 9. Awesome Time Value of Money Tool - Great for Loan Calculations **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Biotechnology | Small-Business (50 or fewer emp.) **Reviewed Date:** April 27, 2018 **What do you like best about TValue?** The simplicity of this calculator is great and the presentation of the table is very straightforward. For, off year end businesses, you can adjust your 12 month summaries to fit you business year. Also, you can easily export you amortization table to PDF or Excel. **What do you dislike about TValue?** There isnt much to not like about this product. Its completely met all my needs. **Recommendations to others considering TValue:** Definitely use it if you want detailed loan information, want to play with prospective loan terms, or know interest vs principle breakouts. **What problems is TValue solving and how is that benefiting you?** Loan calculations, both real and prospective. Its nice for buying cars, being able to bring in a table and saying this is what we need to make work in order to finance this car. ### 10. Excellent Tool **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Entertainment | Mid-Market (51-1000 emp.) **Reviewed Date:** January 11, 2018 **What do you like best about TValue?** I love this tool for calculating all of my amortization schedules. While I understand the amortization calculation it's always a pain to set it up. And you can't always use the same schedules based on different factors, so I like that you can use this program to input the factors you know and it will spit out the schedule you need. Makes the Close process smoother and brings peace to mind. I especially like that it exports into an Excel file as all my files are in Excel. So it's easy to run this schedule and then just copy it over into one of my workbooks. **What do you dislike about TValue?** The program itself works great but the interface appears to be outdated. Also, it's a bit hard to learn by yourself unless there's a tutorial or somebody senior with experience is teaching you. **Recommendations to others considering TValue:** Try researching some tutorials online first or work with a senior. **What problems is TValue solving and how is that benefiting you?** This is a practical tool that perfectly addresses our need for amortization schedule creation. ### 11. T-Value Review **Rating:** 5.0/5.0 stars **Reviewed by:** Karleigh W. | Program Manager, Financial Services, Mid-Market (51-1000 emp.) **Reviewed Date:** November 09, 2017 **What do you like best about TValue?** The ability to calculate exact payments, yield, interest, etc. without having to use a calculator **What do you dislike about TValue?** Differentiation between a loan and lease **Recommendations to others considering TValue:** If you hate a calculator - this will be your best friend **What problems is TValue solving and how is that benefiting you?** Exact interest rates - it's the perfect tool when you feel unsure of numbers ### 12. Easy to use **Rating:** 4.0/5.0 stars **Reviewed by:** Ashley A. | Audit Manager, Accounting, Mid-Market (51-1000 emp.) **Reviewed Date:** February 07, 2018 **What do you like best about TValue?** I use t value often when running amortization schedules for clients. It is. Rey straightforward and easy to use. **What do you dislike about TValue?** I wish they would offer more options for calculations such as present value. **What problems is TValue solving and how is that benefiting you?** Client needs ### 13. Super Simple and Powerful **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Real Estate | Mid-Market (51-1000 emp.) **Reviewed Date:** January 03, 2018 **What do you like best about TValue?** VERY easy to use. Will handle multiple scenarios **What do you dislike about TValue?** Sometimes it is not easy to determine the proper function to use to achieve a desired result **What problems is TValue solving and how is that benefiting you?** Normal loan amortization, irregular payments, return on investment, internal rate of return, lease vs buy analysis. Anything to do with the time value of money. ### 14. A must have payment calculator for the equipment lease industry. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** December 12, 2017 **What do you like best about TValue?** Tvalue can be customized to suit your specific needs. **What do you dislike about TValue?** Can't think of anything that I dislike about Tvalue. **Recommendations to others considering TValue:** Nothing else compares. **What problems is TValue solving and how is that benefiting you?** Calculating payments for leases including our income as a lease broker. Tvalue can handle skip payments, variable payments, step payments and many other requirements. ### 15. Simple and Intuititive **Rating:** 5.0/5.0 stars **Reviewed by:** Bryan W. W. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** August 20, 2016 **What do you like best about TValue?** It is very simple. My staff can use it even though they don't know the ins and outs of amortization schedules and how to calculate them. The calculate feature is awesome! We use it all the time to calculate rates, especially when cashflow models are changed in the middle due to amendments or extensions to our agreements I love that it can easily take into consideration a loan or payment that is made mid-month or on a different date than the regular pay date. **What do you dislike about TValue?** I have been having a hard time determining what issues I have with this software. The only thing I can think of is that it would be nice if it directly integrated with our new ERP system, NetSuite, though I have not verified this completely. However, it is easy enough to export to CSV and the upload into NetSuite, so I don't really see this as that big of an issue. **Recommendations to others considering TValue:** If you want an easy way to calculate present values, rates, future values, etc. on loans or cashflow models, this is a great tool! I have never found anything to use that is this easy. **What problems is TValue solving and how is that benefiting you?** We are constantly reviewing and calculating the internal rate of returns on various financial products, debt, etc. and this is a quick and easy way to calculate those IRRs, even for some of my staff who don't necessarily know the ins and outs of calculating them. ### 16. Perfectly Simple and Complex at the same time **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** October 18, 2016 **What do you like best about TValue?** This program does simple amortization schedules and with a click of a button you can adjust for whatever event occurs. Timeless program that works perfect. **What do you dislike about TValue?** There is some trial and error involved to get the exact scenario some times as the software is sneaky in terms of where adjustments are made and what each adjustment entails. **Recommendations to others considering TValue:** This is a must have in any financial profession. **What problems is TValue solving and how is that benefiting you?** Basically just simple amortization schedules. Some interest only schedules and seasonal notes with various payment arrangements. ### 17. Excellent - It handles all financial amortization calculations **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Law Practice | Mid-Market (51-1000 emp.) **Reviewed Date:** July 29, 2016 **What do you like best about TValue?** It is simple to use. At the same time it allows you to do complex amortization/loan schedules. **What do you dislike about TValue?** Nothing. The product has been able to be handle almost every situation I have needed. **Recommendations to others considering TValue:** To my surprise it handled a unique IRS Tax code computation related to the sale of a minority interest of a client. **What problems is TValue solving and how is that benefiting you?** Loan Amortization schedules. Sometimes business situations dictate that terms change mid stream and TValue handles changes easily. ### 18. Industry Standard **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** June 29, 2015 **What do you like best about TValue?** Reliable tool for amortization schedules and related analysis. Simple to use once you learn the features. Many professionals with which I have collaborated have used this tool. Seems to have become the industry standard in our area. **What do you dislike about TValue?** Some additional 'solve' tools and user interface enhancements would be helpful. The reports that are produced are simple and effective, but could be enhanced for better look and feel. **What problems is TValue solving and how is that benefiting you?** Running calculations for payments, loan schedules, etc. In particular it produces clean and simple reports that can be used to provide to clients, substantiate work papers, etc. ## TValue Discussions - [Is TValue free?](https://www.g2.com/discussions/is-tvalue-free) - [How much does TValue cost?](https://www.g2.com/discussions/how-much-does-tvalue-cost) - [What is a TValue amortization schedule?](https://www.g2.com/discussions/what-is-a-tvalue-amortization-schedule) - [What is TValue used for?](https://www.g2.com/discussions/what-is-tvalue-used-for) - [View TValue pricing details and edition comparison](https://www.g2.com/products/tvalue/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-15+05%3A47%3A26+-0500&secure%5Bsession_id%5D=01e9587d-929a-4c6e-8d9b-f7dd56f7ee6c&secure%5Btoken%5D=a238c55f3c9579a901383deebb25a9c1eaa6ffce6ac709b6edb3722a7fdb2477&format=llm_user) ## TValue Features **Agentic AI - Loan Origination** - Autonomous Task Execution - Multi-step Planning - Cross-system Integration - Adaptive Learning - Proactive Assistance - Decision Making ## Top TValue Alternatives - [Encompass Digital Mortgage Solution](https://www.g2.com/products/encompass-digital-mortgage-solution/reviews) - 4.2/5.0 (61 reviews) - [LendingPad](https://www.g2.com/products/lendingpad/reviews) - 4.7/5.0 (166 reviews) - [TurnKey Lender](https://www.g2.com/products/turnkey-lender/reviews) - 4.7/5.0 (19 reviews)