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Here you'll find dozens of financial calculators that are designed to be easy-to-use, yet flexible enough to meet the needs of financial professionals. We say "these calculators are not toys" because, unlike many online calculators, ours are date sensitive and some support changes to interest rates, payments or investment amounts. All are designed to work well on any device from modern smart phones and tablets to the largest computer monitors. Additionally, all calculators support user selectable international date formats and currency symbols. (Click on $ : MM/DD/YYYY in the lower right corner of all calculators. You'll only need to make the selection once.)

The Ultimate Financial Calculator is the calculator you should be using, for example, if you need to model complex cash flows; perform analytics (PV, ROR etc.) on a cash flow; or calculate a loan payoff or investment balance as of a specific date. Here are 25 calculation tutorials to get you started. The other calculators give you somewhat less control over dates and rates in exchange for ease and speed of use.

Time Value of Money Calculations — TVM

  •  Ultimate Financial Calculator
    • Calculate amounts, rates, term
    • Loan / amortization schedules
    • Investment / savings schedules
    • Calculate return on investment
    • Amount or rate changes on any date
    • Calculate payoff amount for any date
    • Much, much more

A — E

F — N

N — Z

 These calculators also create schedules & charts.

Financial Schedules — cash flows

Investment Calculators

Matrix Calculators

Matrix calculators will save you the trouble of doing a lot of "what ifs?". They show a range of calculations across varying inputs. We think they are unique. Give them a try!

Mortgage Calculators

 These calculators also create schedules & charts.

18 thoughts on “online-calculators

  1. Can I put it on my desktop.


    • That depends on what you mean by “it”. 🙂

      The calculators listed on this page are all web based. Therefore, you can run any of them from your desktop as long as the desktop is connected to the internet.

      If this does not answer your question, please elaborate a little more.

      (Also, do not reply to the email you are receiving. Rather, if you have questions, come back to the original post and reply to this answer. That way, all can benefit.)

  2. Looking for a mortgage loan calculator that will account for previous extra payments at irregular intervals and provide input options for future regular and irregular extra payments.

    Goal to solve for interest saved and solve for target payoff date.

    • There are several possibilities. The one that I would try first is the Time Value of Money Calculator. This calculator is the most flexible for it’s possible (but not necessary) to enter payments on the dates they are made or projected to be made. Payments can be for any amount i.e. more or less than the calculated amount. There are 25 tutorials if you scroll down the page. Everyone should read #1. And you’ll be most interested in these:

      9. Random Extra Principal Payment
      How to prepay principal on any date

      10. Loan with Series of Extra Principal Payments
      How to calculate loan or mortgage with extra payments

    • I also meant to say that if you want to just do some quick, what-if calculations to see what a series of extra payments would save you in interest charges, the Extra Payment Calculator is also a good one to try.

  3. I’m looking for a calculator to do a loan that is a 15yr amortization, with the first 5 yrs at fixed rate (a) 2nd 5yrs at fixed (b) and the final 5yrs at fixed rate (6). Is this possible to do in one calculator or will have to do using 3 different ones? I would like to have single amortization schedule.

    • Yes, this is certainly doable.

      Please use the Ultimate Financial Calculator.

      Scroll down the page and there are a number of tutorials show how to do various calculations. Everyone should check out tutorial #1 for an overview.

      Then once you’ve done that, you’ll be most interested in tutorial #4.

      Adjustable Rate Mortgage or Loan
      ARM with interest rate changes on any date you desire

      Once you’ve looked at that, if you have any questions, just ask on that calculator’s page.

  4. Hello!

    I need a quick calculator so I can keep track of a note receivable, that is being paid back in very random irregular payments. There is a 3% annual interest rate. Most of the calculators I have found online want either a definite payment amount or number of payments – neither of which I know. (I inherited this thing) I need to just be able to plug in the payments as they come in, and let the calculator figure the interest and balance for me because I am A)Super busy!! and B)Not a math genius. What is your suggestion?



    • Hi, I have two suggestions for you. For an online calculator, please try my Ultimate Financial Calculator. It will easily handle what you need to do. In fact, there is a tutorial dedicated to it. Follow the link, once on the page, scroll down, you’ll see 25 tutorials. Everyone should read #1, to get started, then this is the tutorial that applies to your specific case:

      25 Calculate Loan Balance — Loan Payoff Calculation
      Enter payments for any amount on date made — audit balance due

      I also have a Windows version of this calculator, called C-Value!. Cost $19.95. There are links to it at the top of any page. The advantage it has is it will allow you to save your entries to disk as they are made.

  5. I am selling a property with contract for deed. I would like to be able to enter actual date payments are received for determining interest vs principal amounts. What calculator do you suggest? Thanks

    • The Ultimate Financial Calculator is the one to use.

      When you get to the page, scroll down. There are 25 tutorials. Everyone should read #1 to get familiar with the calculator. Then you’ll be most interested in #25.

      Calculate Loan Balance — Loan Payoff Calculation
      Enter payments for any amount on date made — audit balance due

  6. Which one of these can I use to calculate the total amount earned on a with profits endowment policy being used as a mortgage repayments vehicle, with input for Morgage balance, expected profit % annual return from the endowment and the term of mortgage? Output I want is monthly payment and profit earned from payments.

  7. is there a step rate calculator? thank you

    • I’m not sure I understand what is meant by a step rate calculator? Do you want to change interest rates during a loan or investment schedule? If so, then please look at the Ultimate Financial Calculator

      Once on the page, scroll down and take a look at this tutorial (as well as tutorial #1 to get started).

      4. Adjustable Rate Mortgage or Loan
      ARM with interest rate changes on any date you desire

      If this is not what you are looking for, please go into a little detail as to what you need.

  8. Your mortgage loan calculator is superb but I have two questions:
    1) If I don’t specify the interest rate in the shortcode parameters (sc_rate=”5.5″), will it automatically change as the rates do?
    2) The payment schedule is fabulous but I don’t see an option to print it?
    Thank you, I’m quite impressed!

    • Well thank you. Much appreciate the nice words.

      1. No. Interest rates are, to at least some extent local. The plugin is designed to work for an international audience. However, I notice there is a plugin on the WordPress site that displays interest rates from various lenders. I’ve not studied it. I don’t know what regions it is for or how it works. But, if the user saw these rates, they could certainly enter one.

      2. Correct, but all is not lost. I’m planning to release a “plus” version on this site. The plus version will print (there is already a plus version for the general purpose loan calculator plugin). I’m not able to give a date yet. It is a bit down on the list of things to do though. Perhaps June?

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