These calculators are not toys.

**Affordable House**— how much house can you afford considering income, taxes, insurance & maintenance?- †
**Amortization Calculator**— calculate & show/print loan payment schedules - †
**Balloon Payment Calculator**— structure a loan with a balloon. Solves for 5 variables. - †
**Bridge Loan**— will you need a bridge loan? - †
**Biweekly Mortgage Calculator**— pay 1/2 the monthly payment every other week and save on interest **Equivalent Interest Rates**— Calculate equivalent interest rates**Internal Rate of Return (IRR)**— Useful for calculating returns on investment properties.- †
**Loan Calculator**— solve for payment, term, rate or loan amount **Loan Matrix**— multiple payments or loan amounts as interest rate and term varying along the "X" & "Y" axes.- †
**Mortgage Calculator**— solves for 6 unknowns including percent deposit **Present Value of an Annuity**— use this to determine value of a mortgage.- †
**Time Value of Money Calculator**— any structured real estate or mortgage loan

† Displays and prints nicely formatted schedules & charts.

**Accelerated Payment**— save interest by making periodic extra payments.**Affordable House**— calculate affordability**Amortization Schedule & APR**— structure a repayment schedules. Change payments and rates. Make random extra payments. Much more.**Amortization Schedule (free)**— produces a quick, clear loan schedule showing payments, interest, principal and balance.**Balloon Payment**— solves for any one of five unknowns. Use to structure loan with specified payment or balloon amount.**Bridge Loan**— is second mortgage required and if so, what is the loan amount and payment?**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**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.**Loan Comparison Adviser**— compare two loan offers**Loan Matrix**— multiple payments or loan amounts as interest rate and term varying along the "X" & "Y" axes.**Mortgage Loan Calculator**— solve for any of 6 possible unknowns including down payment required**Present Value of a Series Schedule**— calculate today's value of an adjustable cash flow**Refinance Adviser**— determine if it is advisable to refinance a loan.**Rental Analysis Schedule**— create cash flow schedule for a rental property

I need to review the calculation on a variable rate mortgage tied to the 1-year constant maturity Treasury. The mortgage is a 2/28 FHA originated in 2006, earns interest in arrears and is on a 360/30 day base. Some payments have been made past the due date and some payments different from the contractual payments were made. Based on my review several of the payment changes were not made or were made incorrectly. Do you have a product that can be used to calculate an amortization of a loan with these characteristics for comparison to the data record? If so, please tell me which product.

Yes. Please see the

Time Value of Money calculator. With this calculator, the user has complete control of all events over the entire term of the cash flow. Meaning, you can make payments (or investments) on any date for any amount. Interest rates can be changed on any date as well as the compounding method.There are a lot of options and there are 25 tutorials to assist in learning them. Everyone should try tutorial #1 and you should specifically look at tutorial #25 – tracking loan payments.

If you want to save your work, then use

C-Value!. This is a program for Windows computers that mimics the above online calculator. It has more options including saving work.Once you’ve looked at the recommended tutorials, if you have any questions, just ask on the above linked page in the comments. Be happy to answer them.

Thank you. Will it run on Windows 8?

C-Value will. The Time Value of Money calculator is an online calculator. I suggest trying that first to see if it meets your needs.