These calculators are not toys.

**Annuity Matrix Calculator**— multiple withdrawal amount or PV calculations with interest rate and term varying along the "X" & "Y" axes.**Future Value**— what an amount will be worth in the future**Future Value Matrix**— multiple calculations with interest rate and term varying along the "X" & "Y" axes.**Interest Calculations**— calculate periodic or exact date interest**Internal Rate of Return (IRR)**— ROI calculation for adjustable cash flow.**Loan Calculator**— solve for payment, term, rate or loan amount**Loan Matrix Calculator**— multiple payment & loan amount calculations with interest rate and term varying along the "X" & "Y" axes.**Mark-up / Discount Percentages**— uniquely calculates explicit and implicit percentages. Solves any 3 of 5 variables. Great teaching tool.**Mortgage Calculator**— solves for 6 unknowns including percent deposit**Net Worth Calculation**— assets minus liabilities. Calculates percentage allocation.**Percentage Calculations**— 4 calculators**Present Value of an Annuity**— today's value of future cash flows**Present Value**— Today's value of future amount — PV**Return on Investment**— exact ROI between two dates**Time Value of Money Calculator**— analyze any cash flow including discounting and return on investment; irregular cash flows and interest rate changes on any date

**American Option Pricing**— option prices & Greeks.**Bond Value and Yields**— calculates many attributes of a bond in addition to price or yield. Supports corporate, T-bills and zero coupon types.**C—Value! Wizard**— create custom debt or investment cash flows. Loans, payments, deposits, withdrawals and interest rate changes can be adjusted to occur on any date. Record cash flows as they happen and track balances.**Equivalent Rate**— calculate equivalent interest rates**European Option Pricing**— calculate option price & Greeks of European style options**Future Value Matrix**— multiple calculations with interest rate and term varying along the "X" & "Y" axes.**Interest Calculator**— calculate exact day or periodic interest.**Internal Rate of Return (IRR)**— ROI calculation for adjustable cash flow.**Loan Calculator**— solve for amount, term, rate or payment amount for various payment and compounding frequencies and for various lending methods be it normal, Canadian, rules-of-78, interest only or fixed principal payments.**Mark-up & Discount**— mark-up and discount calculations**Mortgage Loan Calculator**— solve for any of 6 possible unknowns including down payment required**Net Present Value (NPV)**— evaluate the desirability of an investment which generates periodic or irregular cash flows**Present Value of an Amount**— calculate today's value of an anticipated future amount**Present Value of a Series Schedule**— calculate today's value of an adjustable cash flow**Rental Analysis Schedule**— create cash flow schedule for a rental property**Return on Investment (ROI)**— absolute and annualized rate of return calculation