These calculators are not toys

The calculators found here are the result of 35 plus years of feedback from the users who have taken their time to comment and offer suggestions. To those users, thank you! For new users, you benefit from full-featured calculators that have date accurate results.

You don't need to settle for "estimates" like other websites promise you.

The calculators found here are the result of 35 plus years of feedback from the users who have taken their time to comment and offer suggestions. To those users, thank you! For new users, you benefit from full-featured calculators that have date accurate results.

You don't need to settle for "estimates" like other websites promise you.

**Are you a blogger?** Are you a successful personal financial blogger who blogs in a language other than English? If so, perhaps we can work together? I can create computer-translated versions of all these calculators. If you proofread, edit, and sign off on your changes, you can have, for free, a copy of each calculator for your website. Naturally, you will get links from this site, credit for the translations, and you will keep 100% of the advertising revenue the calculators generate for you on your site.

**Are you a blogger?** Are you a successful personal financial blogger who blogs in a language other than English? If so, perhaps we can work together? I can create computer-translated versions of all these calculators. If you proofread, edit, and sign off on your changes, you can have, for free, a copy of each calculator for your website. Naturally, you will get links from this site, credit for the translations, and you will keep 100% of the advertising revenue the calculators generate for you on your site.

English Link | Calculator Name - link to translation | ID | Title | Description |
---|---|---|---|---|

adjustable-rate-mortgage-calculator | adjustable rate mortgage calculator | 1390 | Adjustable Rate Mortgage Calculator [Rate Change on Any Day] | An adjustable rate mortgage (ARM) calculator that supports interest rate changes on any date. Calculate new payment amounts and create an amortization schedule. |

affordable-house-calculator | affordable house calculator | 89 | How Much House Can I Afford? | Affordable House Calculator | Affordable house calculator answers "How much can I spend for a house?". Takes into account income, real estate taxes, maintenance & loan payments |

amortization-schedule | amortization schedule | 105 | Amortization Schedule | Create Accurate Payment Schedules | Easily create a printable amortization schedule with dates & subtotals. Calculate unknown payment, loan amount, rate, or term. Pick from 11 payment frequencies. |

amortization-schedule-with-extra-payments | amortization schedule with extra payments | 4067 | Amortization Schedule with Extra Payments | Create an amortization schedule with extra payments or lump sum payment on any date. Calculate how much interest you'll save. |

annuity-matrix | annuity matrix | 115 | Annuity Matrix Calculator | Annuity matrix calculator shows range of possible withdrawal amounts or range of initial investment amounts for varying interest rates and investment terms. |

annuity-schedule | annuity schedule | 101 | Annuity Schedule Calculator | Annuity payout calculator creates a schedule showing how long your money will last with regular withdrawals. Solves for one of four unknowns. |

APR-calculator | APR calculator | 765 | APR Calculator | Truth-in-Lending Act Disclosure Statements | Annual Percentage Rate calculator compliant with US Truth-in-Lending Act. Calculate APR. Print APR disclosure statements. Confirmed with all examples from TILA. |

APY-calculator | APY calculator | 769 | APY Calculator | APY calculator. |

auto-loan-calculator | auto loan calculator | 59 | Auto Loan Calculator | Car Loan Calculator | Not a Toy | Easy to use auto loan calculator and printable payment schedule. Optionally considers taxes, amount down, trade-in, maintenance, and extra payments. APR calculation. |

auto-loan-calculator-with-extra-payments | auto loan calculator with extra payments | 4107 | Auto Loan Calculator with Extra Payments | This auto loan calculator supports a lump-sum or multiple extra payments. Calculates how much you save and creates a payment schedule. Calculates payment too. |

balloon-payment-calculator | balloon payment calculator | 61 | Balloon Loan Calculator | Single or Multiple Extra Payments | Balloon payment calculator solves for any of five unknowns including balloon payment amount. With printable amortization schedule and option for extra payments. |

biweekly-payment-calculator | biweekly payment calculator | 63 | Biweekly Mortgage Calculator | How Much Will You Save? | Biweekly vs monthly mortgage calculator calculates interest saved. Compares two loans in one printable amortization schedule. Support extra payments too. |

bond-calculator | bond calculator | 777 | Bond Calculator | Calculates Price or Yield | Bond price and yield-to-maturity calculator. Calculate accrued interest, coupon interest, duration, and total trade amount. Supports callable bonds. |

break-even-calculator | break even calculator | 2393 | Break-Even Point Calculator | Break-Even Analysis | Easily calculate your break-even point (BEP). Also calculates fixed, variable, and component costs as a percentage of sales. For service or product-based businesses. |

bridge-loan-calculator | bridge loan calculator | 65 | Bridge Loan Calculator | A bridge loan helps you buy one property while financing another. Calculate if a bridge loan is needed and, the payment amount. Create bridge loan schedule. |

budget-calculator | budget calculator | 77 | Budget Calculator | Personal Budgeting | Monthly budget calculator shows allocation of expenses to income. |

buy-or-rent-house | buy or rent house | 4099 | Should I Buy or Rent a House? | Calculator | This calculator compares the cost of purchasing vs renting. It will calculate a mortgage payment and prepare a detailed rent vs buy printable schedule. |

Canadian-loan-calculator | Canadian loan calculator | 184 | Canadian Loan Calculator | Canadian loan calculator with printable payment schedule and charts. Calculate payment, loan amount, interest rate or term per Canadian conventions. |

compound-interest-calculator | compound interest calculator | 91 | Compound Interest Calculator & APY Calculator | Compound interest calculator for future value and APY (Annual Percentage Yield) calculations between user-specified exact dates. 13 compounding frequencies. |

construction-loan-calculator | construction loan calculator | 1388 | Ultimate Construction Loan Calculator [Irregular Borrows] | Use this construction loan calculator for multiple, irregular borrows and exact date interest-only or P&I payments. Step-by-step tutorial shows you how to use. |

date-calculator | date calculator | 759 | Date Calculator | Calendar Calculator | Date Math | Date calculator calculates a date by adding or subtracting days, weeks, months or years. Or it calculates days, weeks, months and years between two dates. |

debt-calculator | debt calculator | 775 | Debt Calculator | DYI Debt Payoff & Consolidation Testing | Lower your debt charges. This multiple loan debt calculator creates a date accurate schedule for up to 25 debts to give you a step-by-step plan for paying off or consolidating debts. Test 5 debt reduction strategies including Debt Snowball & Debt Avalanche. Calculate debt to income ratio and future investment return |

debt-reduction-calculator | debt reduction calculator | 1584 | Debt Reduction Calculator [Create a Debt Payoff Plan] | How long will it take to payoff debts? This multiple debt payoff calculator tests 5 debt payoff methods to tell you, including debt snowball & debt avalanche. |

extra-payment-calculator | extra payment calculator | 67 | Extra Payment Calculator | Is It the Right Thing to Do? | Extra payment calculator with payment schedule calculates interest savings due to one lump sum or multiple extra payments. Also answers, is it better to invest? |

fixed-principal-payment-calculator | fixed principal payment calculator | 180 | Fixed Principal Loan Payment Calculator | Fixed principal loan calculator with printable payment schedule and charts. Pay a fixed principal amount each payment and save. Payments decline month to month. |

front-page | front page | 994 | Financial Calculators | These calculators are not toys | Free financial calculators for when you need accurate results - not estimates. Adjust amounts, dates, and interest rates as needed. Create printable schedules. |

future-value-calculator | future value calculator | 93 | Future Value Calculator | FV Calculator | Future value calculator calculates FV of a single amount for exact number of days. 13 compounding options. These calculators are not toys. |

future-value-matrix | future value matrix | 113 | Future Value Matrix | FV Matrix | Future value matrix calculator creates a range of possible future values or necessary regular investments for varying interest rates with a varying number of cash flows. |

future-value-of-an-annuity-calculator | future value of an annuity calculator | 1401 | Future Value of an Annuity Calculator | FV of an Investment | Future value calculator calculates the FV from an optional initial amount and periodic investments. Create a printable schedule with dates. 13 frequency options. |

future-value-schedule | future value schedule | 103 | Future Value Schedule | FV Schedule | Future value (FV) calculator creates a cash flow schedule and charts showing interest earned & balance. Uses exact dates. 13 compounding and simple interest options. |

historical-investment-calculator | historical investment calculator | 1695 | Historical Investment Calculator | financial-calculators.com | Calculate and compare return-on-investment using 14 stock, bond, real estate & commodity indices. Single or multiple investments. Option to adjust for inflation. |

home-affordability-calculator | home affordability calculator | 828 | Home Affordability Calculator | How much house can I afford? | Our home affordability calculator considers income, cash available, taxes, insurance, maintenance and more to answer the question "How much house can I afford?" |

inflation-calculator | inflation calculator | 653 | Inflation Calculator | Optionally Use Included US CPI Index | Don't think 2% inflation impacts planning? Think again. Inflation calculations using historical inflation rates or calculate impact using a projected rate. |

interest-calculator | interest calculator | 1534 | Interest Calculator [Simple Interest and Compound Interest] | An interest calculator for any interest calculation - exact date accuracy. Select simple interest or from 12 compounding periods including daily and continuous. |

interest-only-loan-calculator | interest-only loan calculator | 182 | Interest-Only Loan Calculator | Interest-only loan payment calculator solve for payment, amount borrowed or interest rate. Show or print loan payment schedule and charts. These calculators are not toys. |

investment-calculator | investment calculator | 659 | Ultimate Investment Calculator | Income Calculator | Investment calculator solves for multiple unknowns and creates printable investment and income schedules. Optionally considers inflation, taxes, and fees. |

irr-calculator | irr calculator | 109 | IRR Calculator | Internal Rate of Return with Dates plus NPV | This IRR calculator calculates an annualized rate-of-return plus profit (loss). Supports exact date cash flows, easy bulk data entry, saving, and printing. |

lease-calculator | lease calculator | 763 | Lease Calculator | Lease calculator, car lease calculator |

lease-vs-buy-calculator | lease vs buy calculator | 848 | Lease vs. Buy Calculator | For Auto, Land or Other Assets | Make the lease vs buy decision easy. For either personal or business use. Considers taxes and depreciation. Features plain text results and cash flow details. |

loan-calculator | loan calculator | 27 | Loan Calculator That Creates Date Accurate Payment Schedules | A loan calculator that easily calculates the payment amount (or term, interest rate, or the amount you can borrow). Support for extra payments. Features galore. |

loan-matrix | loan matrix | 117 | Loan Matrix Calculator | Loan matrix calculator shows range of possible loan amounts or range of periodic payments for varying interest rates and a varying number of payments. Free support. |

loan-payoff-calculator | loan payoff calculator | 1392 | Loan Payoff Calculator | Printable Payment Schedule | Calculate exact loan payoff amounts. This loan payoff calculator tracks payments on any date paid. Supports missed and extra payments. Audit loans in progress. |

macrs-depreciation-calculator | macrs depreciation calculator | 649 | MACRS Depreciation Calculator | IRS Publication 946 | Free MACRS depreciation calculator with schedules. Adheres to IRS Pub. 946 rules. Supports Qualified property, vehicle maximums, 100 percent bonus, and safe harbor rules. |

markup-and-discount-calculator | markup and discount calculator | 79 | Markup Calculator and Discount Calculator | In one easy-to-use calculator you'll find a percent increase calculator, percent change calculator, and percent off calculator. Calculates three of five values. |

mirr-calculator | mirr calculator | 735 | MIRR Calculator | Modified Internal Rate of Return | The modified internal rate of return calculation is a variation on the IRR calculation. The MIRR allows the user to set a reinvestment rate or return. |

mortgage-calculator | mortgage calculator | 69 | Mortgage Calculator with Down Payment, Dates, and Points | The Ultimate Mortgage Calculator calculates mortgage payment, amount, term, down payment, or interest rate & creates payment plan with dates, points, and more. |

mortgage-calculator-with-amortization | mortgage calculator with amortization | 4103 | Mortgage Calculator with Amortization Schedule [Printable] | This mortgage calculator creates professional-looking amortization schedules. Print from any device. Creates PDF files. For normal and negative amortization. |

mortgage-calculator-with-balloon | mortgage calculator with balloon | 4101 | Mortgage Calculator with Balloon | financial-calculators.com | Use this mortgage calculator for a loan with a balloon payment provision. Calculate any of 5 unknowns including regular payment amount or final balloon payment. |

mortgage-calculator-with-extra-payments | mortgage calculator with extra payments | 4071 | Mortgage Calculator with Extra Payments [Payment Schedule] | This mortgage calculator with extra payments will calculate how fast you'll pay off a mortgage and how much you'll save. Creates a detailed payment schedule. |

mortgage-calculator-with-taxes-pmi | mortgage calculator with taxes pmi | 4105 | Mortgage Calculator with Taxes, Insurance, and PMI | A mortgage calculator that optionally accounts for property taxes, property insurance, and PMI (private mortgage insurance). Creates detailed payment schedule. |

national-debt-calculator | national debt calculator | 643 | US National Debt Calculator | Bond Amortization | Amortize current US National Debt 2 ways - entire debt or by your household share. Yikes! Normal or interest-only amortization. Print payment schedule & graphs. |

net-present-value-calculator | net present value calculator | 701 | Net Present Value Calculator | NPV & IRR Calculator | Use this NPV calculator to evaluate regular or irregular cash flows for investment suitability. Calculates IRR too. Easy data entry with cash flow duplication. |

net-worth-calculator | eigenkapital rechner | 81 | Net Worth Calculator | Net worth calculator gives you insight into your financial health. Required for some loan applications and frequently used by lawyers practicing family law. Free support. |

online-calculators | online calculators | 129 | Online Calculators | Your Questions Accepted & Answered | Dozens of free online calculators. Each calculator solves for several unknowns with exact date accuracy. Many create financial schedules and charts. A Q&A site. |

options-calculator | options calculator | 3055 | Option Price Calculator | American or European Options | Calculate option prices using either a Black-Scholes or the Binomial Tree model. Will automatically calculates historical volatility from market data. |

payment-calculator | payment calculator | 186 | Payment Amount Calculator | One of Several Loan Calculators | Loan payment calculator solves for several unknowns in addition to payment. Creates schedule with dates and charts. Particularly well suited for mobile devices. |

percent-calculators | percent calculators | 83 | Percentage Calculators | Percents, Ratios and Fractions | How do you find percentage? These online percentage calculators are used for calculating percent increase/decrease and percentage of calculations. |

present-value-calculator | present value calculator | 97 | Present Value Calculator (PV) | Useful for Legal Settlements | Present value calculator calculates the PV of a single amount. See PV of an annuity calculator for cash flow calculations. Calculate PV for legal settlements. |

present-value-of-an-annuity-calculator | present value of an annuity calculator | 95 | Present Value of an Annuity Calculator [date flexibility] | Calculate present value (PV) of any future cash flow. Supports dates, simple interest and multiple frequencies. Supports either ordinary annuity or annuity due. |

present-value-of-annuity-calculator | present value of annuity calculator | 1592 | Present Value of an Annuity Calculator [date flexibility] | "Present value of an annuity" is finance jargon meaning present value with a cash flow. The cash flow may be an investment, payment or savings cash flow. |

refinance-calculator | refinance calculator | 773 | Refinance Calculator | Is it worth it to refinance? | This refinancing calculator will tell you exactly how much you'll save if you refinance a loan or mortgage plus how much you'll earn if you invest the savings. |

remaining-balance-calculator | remaining balance calculator | 71 | Remaining Balance Calculator | financial-calculators.com | Calculate a loan's remaining balance, optionally creates an amortization schedules or calculate a loan payment required to reach a balance by a desired payment. |

rent-vs-buy-calculator | rent vs buy calculator | 2526 | Rent vs Buy Calculator | Is it Better to Own or Rent a Home? | This rent vs own calculator considers mortgage costs, rent, taxes, inflation, repairs, the home's future value and more to create printable schedules and analysis. |

rental-income-calculator | rental income calculator | 710 | Rental Property Calculator | Calculate P&L Schedule | Rental Property Calculator creates a printable cash flow schedule. Considers taxes, inflation, cash investment, debt, more. Before and after tax ROI calculation |

retirement-age-calculator | retirement age calculator | 396 | Retirement Age Calculator with Printable Schedule & Chart | The Retirement Age Calculator considers your investment plan to answer the question, At what age can I retire? Easy to use. Free and with full support. |

retirement-calculator | retirement calculator | 107 | Retirement Calculator | Comprehensive Retirement Planning | Retirement calculator answers all retirement questions including, how much do I need to retire? Optionally considers Social Security, pensions and inflation. |

retirement-income-calculator | retirement income calculator | 400 | Retirement Income Calculator | Retirement Income Calculator considers your investment plan to answer the question, what will my retirement income be? Easy to use. Free and with full support. |

retirement-savings-calculator | retirement savings calculator | 398 | Retirement Savings Calculator | The Retirement Savings Calculator answers the question, How much do I need to invest to retire?. An easy-to-use retirement calculator. Free & with full support. |

roi-calculator | roi calculator | 85 | Return on Investment (ROI) Calculator | This ROI calculator (return on investment) calculates an annualized rate of return using exact dates. New: calculates adjustments required to achieve goal ROR. |

rule-of-78s-loan-calculator | rule of 78s loan calculator | 178 | Rule of 78s Loan Calculator with Amortization Schedule | Rule-of-78s loan calculator includes printable payment schedule with dates and subtotals. Solves for unknown payment amount, loan amount, interest rate or term. |

savings-calculator | savings calculator | 73 | Savings Calculator & Printable Periodic Savings Schedule | This savings calculator uses an optional starting amount, dates & periodic deposits to calculate a final value. 12 frequencies including daily, weekly etc. |

simple-interest-calculator | simple interest calculator | 99 | Simple Interest Calculator | Audit Interest Paid or Received | This simple interest calculator calculates the interest due between any two user selectable dates. A suitable tool for auditing purposes and legal proceedings. |

SolveIT | SolveIT | 125 | SolveIT!™, Over 40 Financial Calculators | SolveIT!™, over 40 financial calculators used by bankers, accountants, attorneys, investors, financial planners, real estate agents. A suite of software calculators for Windows. Since 1985. |

time-value-of-money-calculator | time value of money calculator | 435 | Time Value of Money Calculator — TVM Calculator | Online Time Value of Money Calculator solves for fv, pv, term, interest rate, payment or investment amounts, more. Adjust rates and amounts. This is not a toy! |

tvm-calculator | tvm calculator | 4197 | Time Value of Money Calculator | A time value of money (TVM) calculator with user-selectable dates and printable TVM schedule. Solve for of 5 unknowns PV, term, rate, cash flow amount, and FV. |

ultimate-financial-calculator | ultimate financial calculator | 476 | TVM Calculator [Ultimate Financial Calculator - Not a Toy!] | The Ultimate Financial Calculator is a free, online, time value of money calculator that calculates FV, PV, term, rate, and amounts. Adjust dates, amounts, more |

withdrawal-savings-calculator | withdrawal savings calculator | 75 | Savings Withdrawal Calculator | How Long Will My Money Last? | A withdrawal savings calculator that optionally solves for withdrawal amount, starting amount, interest rate or term. Creates a printable withdrawal schedule. |

The link in the first column is to the original English version version of the calculator. The link in the second column, if there is one, is to the machine-translated version. I will provide you with an editor that shows the English above the translation. You edit the translation, save it, and email it back to me. I'll use your edits to update the translation. I will continue to add computer generated translations over the coming months.

The link in the first column is to the original English version of the calculator. The link in the second column, if active, is to the machine-translated version. I will provide you with an editor that shows the English above the translation. You edit the translation, save it, and email it back to me. I'll use your edits to update the translation. I will continue to add computer generated translations over the coming months.

Apparently, computers are most likely to be successful translating from English to these languages:

Apparently, computers are most likely to be successful translating from English to these languages:

Danish : Dansk : Danish

Dutch : Nederlandse : Dutch

German : Deutsch : German

Finnish : Suomalainen : Finnish

French : Français : French

Hungarian : Magyar : Hungarian

Italian : Italiano : Italian

Lithuanian : Lietuvių : Lithuanian

Portuguese : Português : Portuguese

Polish : Polski : Polish

Romanian : Românesc : Romanian

Russian : Русский : Russian

Spanish : Español : Spanish

Swedish : Svenska : Swedish

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