You can calculate one of any five possible unknowns with this calculator. Just enter a zero for one of the following: "amount of loan", "annual rate", "balloon due at payment number", "periodic payment" or "final balloon payment".
Therefore, it is easy to solve for a periodic payment amount that will result in a particular balloon payment. Or you can solve for the balloon payment amount given a regular payment amount that you enter.
If you are solving for the final balloon payment amount and the result is negative, that indicates the final payment will not need to be a balloon payment. That is, the periodic payment amount is large enough that a balloon is not needed. Or, conversely, you can reduce the periodic payment amount if you are willing to have a final payment that is a balloon.
NOTE: A balloon payment is NOT the remaining balance of a loan. See "Remaining Balance Calculator" if you need a loan balance after a payment is paid.