Grouped by Functionality

- Calculate markups and discounts
- Compound accrued interest
- Four percentage calculators
- †
**Net Present Value Calculator (NPV)**— Calculate financial feasibility of a project - †
**MACRS Depreciation Calculator**— per IRS Publication 946, "How to Depreciate...". - Simple interest between random dates

- † Annuity Schedule — time to withdrawal
- † Future Value Schedule
- † Loan payment (amortization) schedule
- † Ultimate Financial Calculator — Free loan and mortgage payoff calculations and TVM (time value of money) calculator

- Calculate compound interest for exact days
- Future value of an investment
- Internal Rate of Return — annualized return on investment cash flows
- Present value of an annuity
- ROI — return on investment
- Today's value of future amount — PV
- †
**Ultimate Investment Calculator**— Optionally considers taxes, inflation & fees.

- † Auto loan with trade-in or down payment
- † Benefits of making extra principal payments
- † Calculate what making biweekly loan payments will save you in interest charges
- † Calculate loan (remaining) balance
- † Design loan with balloon payment
- † General purpose loan calculator
- † Interest Only Loan Payments
- † Rule-of-78s
- † Payment Calculator — particularly well suited for quick calculations on small screens

- Annuity Matrix — calculate range of starting amounts or withdrawals
- Future Value Matrix — calculate range of future values or deposit amount
- Loan Matrix — calculate range of payments or loan amounts

- † Canadian Loan Calculator — Amortization schedule using Canadian conventions.
- † Confirm mortgage balance
- † Fixed Principal Loan Payment — pay loan with fixed principal amounts
- How much house can I afford?
- † Is a bridge loan required?
- † Mortgage calculator solves for 6 unknowns including percentage cash required
- †
**Rental Income Calculator**— full cash flow analysis. Before and after tax ROI. - † Will a biweekly mortgage save me money?

- Create budgets and see allocations
- †
**Modified Internal Rate of Return (MIRR)**— another annualized ROR calculation - Net worth calculator
- †
**Ultimate Investment Calculator**— Optionally considers taxes, inflation & fees.

- † Solve many problems with one calculator
- Structure any cash flow
- Loan / amortization schedules
- Investment / savings schedules
- Calculate return on investment
- Rate or cash flow change on any date
- Calculate loan payoff for exact date
- Much, much more

† These calculators also create schedules & charts.

** Bold** indicates recent additions.

Translations

- Calculate break-even on a product or business
- Exact day compound & simple interest calculations
- Markup & Discount
- Solve for the most economical ordering quantity of an item

These 40+ calculators are included in SolveIT!.

- Debt Reduction Adviser — calculate four plans to reduce and eliminate debt. Pick best plan for the circumstances.

- Flexible Amortization Schedule & APR
- Free Amortization Schedule
- Annuity Schedule — schedule of withdrawals, interest & balance
- C—Value! — customize exact date cash flows and solve for any unknown
- Future Value Schedule — schedule of deposits, interest & balance
- Present Value of a Series Schedule

- American Option Pricing
- Bond Value and Yields and much more
- Equivalent Rates
- European Option Pricing
- Internal Rate of Return (IRR) — ROI for a periodic or irregular cash flow.
- Net Present Value
- Present Value of an Amount
- Profit and loss analysis for rental property
- Return on Investment (ROI) — on an amount

- Interest saved by accelerating payments
- Car loan with trade in
- Balloon amount or payment amount
- Exact or periodic interest calculation
- Lease vs Buy Adviser
- Loan calculator solves for interest rate, amount, payment or term
- Compare bottom-line cost of two loans
- Loan balance after "X" payments

- Annuity Matrix
- Future Value Matrix
- Loan Matrix

* These calculators show multiple results. The term and interest rate vary along the "X" & "Y" axes.

- Affordable House
- Bridge Loan
- Calculate mortgage payment and deposit required plus 4 other variables
- Does it pay to refinance?
- Rental income analysis

- Budget Calculator
- Plan for any future cash flow needs
- Net Worth Calculator

- Goal Planning Adviser
- Millionaire's calculator — how much do I have to save to reach any amount?

- Declining Balance Depreciation
- MACRS Depreciation & Section 179 expense
- Straight Line Depreciation
- Sum of Years Depreciation

- Permutation & Combination — what are the odds?
- Purchasing Power Calculator — the impact of inflation with US consumer price data (CPI)

Join the conversation. Tell me what you think.

## Jan says:

I am working on a loan an individual (friend) made to his son for business purposes. The loan I guess was made in advances of 3 or 4 amounts starting in 2008. payments started being made in Jan. 2010. My friend wants to charge 5.5% interest and recoup the loan funds in 20 years.

I’m trying to put together an amortization schedule after the fact.

I have a record of the payments made of which there approx. 80 payments received in the amount of $2,000.00 practically every month.

Can I re-create this scenario now in 2016?

Thank You, Jan 8037578269

## Karl says:

Yes you can. Please use the Ultimate Financial Calculator

If you scroll down the page, you’ll see a series of calculation tutorials. I suggest that everyone works through tutorial #1 for some basic information.

After that, this tutorial is for your specific use case:

25. Calculate Loan Balance — Loan Payoff Calculation

Enter payments for any amount on date made — audit balance due

## Pamela says:

Are your downloads compatible with Mac’s? Can you give step by step instructions?

## Karl says:

Sorry, but the downloads are only for Windows PCs.

## brownbrady says:

Is there a TFSA “Catch-Up” calculator to determine the date when a TFSA’s contribution room will be maxed given the current balance, new contributions, and new room created each year?

## Karl says:

No, sorry, there isn’t one. But it sounds like adding one would be a really good idea.

## inezstorage says:

I paid $69 for this, and I’m not sure it’s what I’m looking for: First of all, where is the phone number so I can call? Where do I find the irregular amortization schedule for a loan? I pay different amounts at different times of the month, and that’s what I need to calculate.

## Karl says:

I’m the sole owner and employee of the business and I’m hearing impaired, so I can’t offer affective phone support any longer.

The best calculator to use is the C-Value! Classic calculator, accessible from the Schedule menu at the top.

It will allow you to track payments made on any date. There is a tutorial or user guide that describes how to do this. Please see tutorial #25 in the program’s "Help."

If you don’t see it in Help, then this online tutorial will work too.