These calculators are not toys

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 any calculator. 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.

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**Ultimate Investment Calculator**- Calculate amounts, rates, term
- Investment / income schedules
- Optionally calculates taxes due
- Adjust cash flow for inflation
- Deduct investment fees
- Calculate internal rate of return
- Much, much more

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**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

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**APR Disclosure Statement - July 2018**- Calculate APR
- Create Reg. Z Disclosure Statement
- Supports ALL Reg Z Appendix J Examples

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**Ultimate Debt Calculator - April 2018**- Create single schedule for up to 25 debts
- Test 5 debt reduction strategies

Listed Alphabetically

**Affordable House Calculator**— how much house can you afford considering income, taxes, insurance & maintenance?- †
**Amortization Calculator**— calculate & show/print loan payment schedules **Annuity Matrix**— calculate range of possible withdrawals- †
**APR Calculator**—**New July 2018**— calculate annual percentage rate & create disclosure statement - †
**Annuity Schedule**— time to withdrawal schedule and charts - †
**Auto Loan Calculator**— allows for optional trade-in or cash down payment - †
**Balloon Payment Calculator**— structure a loan with a balloon. Solves for 5 variables. - †
**Biweekly Mortgage Calculator**— pay 1/2 monthly payment every other week. Save. - †
**Bridge Loan Calculator**— will you need a bridge loan? **Budget Calculator**— Create budgets and percentage allocations- †
**Canadian Loan Calculator**— Amortization schedule using Canadian conventions. **Compound Interest Calculator**— calculate interest on an amount for a specific date range- †
**Debt Calculator**—**New April 2018**— test loan payoff strategies for multiple debts - †
**Extra Payments Calculator**— calculate interest and time saved due to making extra principal payments

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**Fixed Principal Loan Payment Calculator**— pay loan with fixed principal amounts, declining payments **Future Value Calculator**— what an amount will be worth in the future**Future Value Matrix**— calculate range of future values- †
**Future Value Schedule**— periodic investments or deposits and interest earned **Inflation Calculator**— calculate impact of historic or future inflation**Interest Calculator**— calculate periodic or exact date interest- †
**Interest Only Loan Calculator**— interest only periodic payments **IRR**— annualized internal rate of return on investment cash flows- †
**Loan Calculator**— solve for payment, term, rate or loan amount - †
**Loan Payoff Calculator**— solve for exact balance or early payoff date **Loan Matrix**— calculate range of payments or range of loan amounts- †
**MACRS Depreciation Calculator**— per IRS Publication 946, "How to Depreciate...". **Markup / Discount Percentages Calculator**— uniquely calculates explicit and implicit percentages. Solves any 3 of 5 variables. Great teaching tool.- †
**Modified Internal Rate of Return (MIRR)** - †
**Mortgage Calculator**— solves for 6 unknowns including percent deposit - †
**Net Present Value Calculator**— Should I pay this much for an investment?

**Net Worth Calculation**— assets minus liabilities. Calculates percentage allocation.- †
**Payment Calculator**— calculate level payment covering principal & interest **Percentage Calculations**— 4 calculators**Present Value Calculator**PV — today's value of future amount — PV**Present Value of an Annuity**PVA — today's value of future cash flows- †
**Remaining Loan Balance Calculator**— balance remaining after "X" payments - †
**Rental Income Calculator**— full cash flow analysis. Before and after tax ROI. - †
**Retirement Planning Calculator**— colorful chart shows exactly where you stand **Return on Investment Calculator**— exact annualized ROI between any two dates- †
**Rule-of-78s Calculator**— Create printable amortization schedule. - †
**Savings Calculator**— solves for four unknowns **Simple Interest Calculator**— calculate simple interest between any dates. Also, days between dates calculation.- †
**Ultimate Investment Calculator**— Optionally considers taxes, inflation & fees. - †
**Ultimate Financial Calculator**— Invest or pay any amount. On any date. At any rate. - †
**U.S. National Debt Calculator**— amortize entire debt or your family's share. - †
**Withdrawal Savings Calculator**— solves for 4 unknowns

† These calculators also create schedules & charts.

Listed by Functionality

- Calculate Markups & Discounts
- Compound Accrued Interest
- † MACRS Depreciation Calculator — per IRS Publication 946, "How to Depreciate...".
- † Rental Property Calculator — cash flow statement. Before and after tax ROI.
- Simple Interest — between 2 dates
- 4 Percentage Calculators

- † Amortization Schedule — payment table
- † Annuity Schedule — time to withdrawal
- † Future Value Schedule — interest earned on periodic investments or deposits
- † Ultimate Financial Calculator — FV, PV, interest rate, term, payment or investment amounts, APR, IRR plus a
**loan payoff calculator** - † Ultimate Investment Calculator — considers taxes, inflation & fees.

- Calculate Compound Interest — for exact days
- Future value of an investment
- Internal Rate of Return — annualized return on investment cash flows
- Modified Internal Rate of Return (MIRR)
- Net Present Value Calculator
- Present Value of an Annuity
- PV Calculator — today's value of future amount
- ROI Calculator — return on investment
- Simple Interest Calculator

- † APR Calculator — create disclosure statements
- † Auto loan with trade-in or down payment
- † Benefits of making extra principal payments
- † Calculate what making biweekly loan payments will save you in interest charges
- † Calculate loan (remaining) balance
- † Design loan with balloon payment
- † General purpose loan calculator
- † Interest Only Loan Payments
- † Rule-of-78s — calculator & amortization schedule
- † Payment Calculator — particularly well suited for quick calculations on small screens

- Annuity Matrix — calculate range of starting amounts or withdrawals
- Future Value Matrix — calculate range of future values or deposit amount
- Loan Matrix — calculate range of payments or loan amounts

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!

- † Canadian Loan Calculator — Amortization schedule using Canadian conventions.
- † Fixed Principal Loan Payment — pay loan with fixed principal amounts
- How much house can I afford?
- † Is a bridge loan required?
- † Mortgage Calculator — solves for 6 unknowns including percentage cash required
- † Rental Income Calculator — full cash flow analysis. Before and after tax ROI.
- † Will a biweekly mortgage save me money?

- † When can I retire? — chart a retirement plan
- Future value of an investment — FV
- † Savings calculator solves for four unknowns
- † Withdrawal Savings Calculator

† These calculators also create schedules & charts.

Translations

- Rentenrechner — Deine Rentenplanung leicht gemacht

Hey can any one help to calculate date of next payment receipt. My payment period is monthly. 1st receipt date is 01/01/2018 and I want to pay on 02/02/2018.

How to show next payment date.

You can use this amortization schedule which creates a loan payment schedule, or, if you need the ability to adjust the dates yourself, then you can use the Ultimate Financial Calculator.