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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 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.

Investment & Income Calculator

  •  Ultimate Investment Calculator — June 1, 2017
    • 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

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

The Newest Calculators

  •  Ultimate Debt CalculatorNew April 2018
    • Create single schedule for up to 25 debts
    • Test 5 debt reduction strategies
      1. 4 Debt rollover methods
      2. Loan consolidation
      3. Extra payments
      4. Meet a goal
      5. Rollover & extra payments

A — F

F — N

N — Z

 These calculators also create schedules & charts.

Business Calculators

Financial Schedules — cash flows

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.


59 thoughts on “online-calculators

  1. Will the Solveit6.1 work on a Windows 7?

  2. Looking to personally finance an amount of $xxxxx.00 for xx# of years with the first four (4) years being at a ZERO interest rate. Then on the 49 month the interest rate will change to “let’s say 5%” thereafter until original amount of loan is paid in full!

    Do you have a calculator that would work and also print a schedule of payments?

    • Yes.

      Please use the Ultimate Financial Calculator.

      One on the page scroll down until you see the tutorials and check this one out:

      14. Interest Only Loan
      Initial series of interest only payments

      (Everyone should also see tutorial #1 to get an overview of this calculator.)

    • Sorry, my previous tutorial recommendation was wrong. Too early in the morning here. You don’t want interest only, you want no interest initially. The calculator will do this too.

      Please see this tutorial:

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

  3. Bought but cannot download & open SolveIT software on a MAC. Yes, I have Windows. What do I do?

    • Thank you for your purchase. The file you downloaded is just like any other file. For example, how would you move a word processing document from your Mac to your Windows PC? Use the same technique. I can’t really give you any details because I don’t know your specific setup.

  4. Can this calculator be used to calculate student loans with extra monthly payments?

  5. Does SolveIT calculate a time-weight return on investment?

    • Yes, it has an "IRR Calculator" which is a time-weighted, annualized rate of return.

      You can also try this online calculator to see if it meets your needs (though the online version currently has a view features that SolveIT!’s calculator does not have).

  6. I only have a Mac. Because the software is called The Financial Calculator for Windows I’m assuming there’s no point me purchasing it?

    • SolveIT! and C-Value! only run on Windows, that is correct.

      However, there is a 3rd party program for the Mac, called Parallels, that you can install on your Mac and then you can run Windows programs. I’ve never used it (I don’t have a Mac) but I know people who do and they are happy with it.

      If you get that, then you can come right back over here and purchase either of the above. 🙂

  7. Which calculator do I use if I want to find payment amounts for 36 equal payments when the loan is:

    0% interest for first 6 months
    13.99% interest for next 30 months


    • You’ll need to use the ultimate financial calculator. 🙂

      The calculator supports payment and/or rate changes on any date. For your particular problem, you’ll enter 0.0% for the initial interest rate. Then you’ll have 4 rows in the bottom part of the calculator. A row for the loan amount followed by a payment row with 6 "Unknown" payment amounts, a rate change row (to 13.99%) followed by a row with 30 more "Unknown" payment amounts.

  8. looking to use your wp-plugins. where is the data stored when someone uses the calculator placed on a page on my site? is it stored in a database? how many people can use the calculator at once on my page. (i know these questions may sound stupid, but i am not a techie so wondering how it works)

    • Thank you for considering using my plugins.

      1. The only data that might be stored would be the user’s currency and date selection. That information is stored in cookies where are always on the user’s computer.

      2. The plugins themselves have no limits on the number of users that can use them at one time. If a user can connect to your site, then they’ll be able to use the calculators.

  9. My personal loan was for 15 years starting in April 2003 and always paid on time. The first year after my husband passed in late 2010 was a struggle to make the payments. In 2011 I had 3 late payments due to the dates I received my SS checks. It took the bank almost 6 months to process a due date change!
    My loan maturity date was to be 04/05/2018 but when I went to print out my final payment I was in shock to see “Balance owed $10,209.85 due by 04/05/2018”!!! My calls are a waste of time, I know there is an error somewhere but have been unable to find a calculator that will:
    1) Allow a date change 9 years into my loan.
    2) Calculate late payment interest accrued on the late payment dates forward.

    Is there such a calculator available? The more this is delayed the more the interest will add up. My loan agreement states that they will charge a rate of 18% per year on the unpaid balance!!!
    Please let me know if any of your calculators can do these type of calculations. Thank you, GM

    • The calculator you can use is this financial calculator. It allows you to record each payment (or series of payments as they are made.

      If you try it, scroll down the page to the tutorial section. Read tutorial #1 to get started, and then tutorial #25 which is about getting the exact balance of a loan.

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