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Financial Schedules — cash flows

Investment Calculators

Matrix Calculators

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

Mortgage Calculators

Time Value of Money Calculations — TVM

  •  Ultimate Financial Calculator
    • Structure any cash flow
    • Loan / amortization schedules
    • Investment / savings schedules
    • Calculate return on investment
    • Rate or cash flow change on any date
    • Debt payoff amount as of specific date
    • Much, much more

 These calculators also create schedules & charts.

A — E

F — N

N — Z

 These calculators also create schedules & charts.

14 thoughts on “online-calculators

    • 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.)

  1. 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

  2. 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.

  3. 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.

  4. 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

  5. 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.

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