Online Financial Calculators
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 smartphones 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.
38 Comments on “Online Calculators”
Join the conversation. Tell me what you think.
web@pjinmobiliaria.es says:
Hi, thanks for your plugin, i have install de FC Mortgage Calculator and i have a problems:
* How can i choose a currency for default?? that always use €.
* How can i translate all th text to spanish??? now i am tranlating in code.
* I haven´t an seccion of plugin in my dashboard, is normally?
Karl says:
If you don’t mind making an edit, to the source code, you (the website owner) can change the currency. Here’s how to do it:
In the plugin folder, there is a js folder. Should be here with default install:
\wp-content\plugins\fc-mortgage-calculator\js
find this file:
interface.MORTGAGE-WIDGET.min.js
With a plain text editor, such as notepad open it up and search for this text:
a.CCY_CONVENTIONS=[{sep:”,”,dPnt:”.”,ccy:”$”,ccy_r:””}
Should be around row 7. Change the “$” to whatever you need as the example below. Save, and refresh the webpage
a.CCY_CONVENTIONS=[{sep:”,”,dPnt:”.”,ccy:”€”,ccy_r:””}
If you want the € on the right, replace ccy_r instead.
This will change the plugin’s default for you
The downside with this hack is, no one visiting the page will be able to set the currency to “$”. Or at least I don’t think they will be able to. I didn’t actually test that.
Hope this works for you.
I’m not sure about your other two questions. To translate, you have to translate in the code.
I don’t understand the 3rd question.
Sandra says:
Do you have a calculator for cap rate? I went through all the lists but didn’t see anything specific. It may be called something different.
Karl says:
Could you give me an example? Are you talking about an adjustable rate loan can you want to calculate the maximum (cap) interest rate? If so, a generic calculator isn’t going to do that for you. It would have to have the specific contract details to be able to calculate a max. interest rate.
Inzi says:
Dear Sir/ Madam,
I need a simple calculator to prepare loan amortisation schedules.
Should I buy the Cvalue or Solve IT?
Also once I purchase it for $ 50 or $ 60, is this a one off payment and do I need to pay a monthly or annual licence fee?
Thanks
Inzi
Karl says:
The license fee is a one time fee for either program.
If you like this amortization schedule better, then you should buy SolveIT!.
If you like this loan schedule calculator better, then you should buy C-Value!. SolveIT! also includes C-Value!.
chante bester says:
good day hoping someone can please assist me to solve this
calculate the amount that was invested at a rate of 16% per annum, quarterly compounded, if the future value is expected to be R 95 990.29 after 4 years ?
Karl says:
Hello. You can use this investment calculator. Enter "U" for "Periodic Investment Amount," and $95 990.29 for "Goal Amount."
Tony O'K says:
Trying to amend Currency and Date to Euro/European however the More drop down link to same doesn’t work AND there is no Save Changes button if I follow the suggestion to right click at the bottom of a Calculator.
Karl says:
You don’t right click on the bottom right of the calculator. If it says that somewhere, sorry but that’s an error. (Do you recall where you read that? I want to fix it.)
You simply left click on the $ : MM/DD/YYYY and the options will open. (I’ll have to fix the "More" too I see. Thanks for letting me know. I moved the site to a new host 2 weeks ago, and some things broke.)
Tony O'K says:
Hi Karl and thanks for your quick response.
Click on the Online Calculators tab above and this will open a page titled “Online Financial Calculators” – the reference to right clicking to change currency and date is at the end of the very first Paragraph on this page.
Left clicking on currency/date DOESN’T WORK as there is no “Save Changes” button to click on in the dialogue box which opens up so appreciate if you could look at this again and respond.
Like to Calculators, keep up the good work.
Karl says:
Hi Tony, no problem. My pleasure.
I think you might be skimming. 🙂 The last sentence of that paragraph does not say to right click. It says where to click is in the lower right corner.
"Click on $ : MM/DD/YYYY in the lower right corner of any calculator. You’ll only need to make the selection once."
Regardless, you say you left click and the dialog opens and there’s not a "Save changes" in the bottom right corner of the dialogue? Is the dialogue longer than your browser window? What browser are you using? Desktop? Mobile? I need to test more.
If you use the menu item to set currency under "More" at the top of any page, I see that it does not work with Microsoft browsers but does work with Chrome.
Tony O'K says:
Hi Karl – I’m using Chrome but also have Microsoft Edge installed on my brand new HP Pro-book Laptop and confirm the Dialogue box isn’t showing me any “Save Changes” button on either.
Confirm also that the More drop down Option to change Currency / Date isn’t working on either Browser for me . . . . . . So looks like more testing needed.
Correct on the skimming!
Regards, T
Karl says:
Tony, thanks for sending me the screenshot.
For those following along, the problem with the buttons not showing was fixed by reducing the browser’s magnification setting from 150% to 120%.
AMBER NICOLE GREENHART says:
Very helpful insightful and automatically gives you the best aspects on your money management.
Karl says:
Thank you. I appreciate the comment.
Rick says:
I feel like this is such a simple question, but I can’t figure it out. I’m trying to use the Loan Payoff Calculator to track a personal loan I made to a friend and this calculator is great because it allows me to put in additional principal payments that are made and change any variables so easily.
My simple question: I don’t see a download or buy button for this product so maybe it’s use isn’t charged, but I also don’t see a way to save my info to come back to the calculator and use it again and again. I’m sure I’m missing something so simple. . .
Thanks,
Rick
Karl says:
The loan payoff calculator does not offer the user a save feature.
What I can offer you is C-Value for Windows. It works like the above calculator, but, as the name indicates, you install it and run it on a Windows computer. That this program, you can save the data to disk for later use. The price is $49.95. Let me know if you have any questions.
Sue says:
Hi:
Very helpful website, thanks for all the useful calculators!
I am wondering if someone built a calculator that can figure out the breakeven point when it makes sense to cash savings bonds and buy CDs instead. It would have to take into account quite a few variables one would have to enter such as tax rate for federal, state as applicable, interest rate, period for investing, amount invested, interest earned on bonds to pay taxes on, etc. While it might not be a perfect calculation, it would help decision making and would allow playing what-ifs. Thanks.
Karl says:
Hi Sue, thank you. I’m glad you find the site useful.
As to your specific idea, I don’t have such a calculator. I would mind adding one though (but I have about 4 new ones in the works). I guess the issue for me is I’ll have to study the tax implication of cashing in a savings bond.
The Investment Calculator, on this site does allow one to buy and sell investments. I also allows for taxes on either interest/gain or withdrawal (as in withdrawal from IRA). Though not designed for your specific request, does it get you close?
Sue says:
Thanks for the quick reply, Karl. Not close enough, but maybe it would be a good starting base for for the one I am trying to find. As far as I know, savings bonds are fully taxable at the federal level, but tax-exempt at the state and local level. Interest income from savings bonds is subject to federal estate, gift and excise taxes as well as any state estate or inheritance taxes. However, I know only superficially about taxes. I would love to learn when maybe this savings bond vs. CD calculator will be available. Thanks.
Karl says:
No problem, Sue. I have no idea when a calculator would be available. I’m not sure I even understand the problem yet. As I mentioned, I have to educate myself, and at this stage, that could take some time! 🙂
Maggie Watts says:
I used Enterprise Amortization for years, but they no longer have a company. I am looking for and amortization table that will allow me to change payment amounts and recalculate interest for multiple loans. Do you have one that would fit?
Karl says:
I believe so. Please try this online loan payoff calculator for starters. If this meets your needs, then C-Value! is the solution for you (assuming you want to install the calculator on a Windows computer). C-Value will allow you to track any number of loans. Each loan is stored in its own file.
Kathy Piechura says:
I have a land contract (I’m the seller). The contract states that if they miss a payment or are late I can assess a $200 late fee. This has happened several times, but I cannot figure out how to adjust the amortization schedule . The buyer seems hasn’t been able to catch up and each month the $200 is assessed.
Karl says:
First, sorry for the tardy reply. I have been focus on building a new calculator and got side tracked for a few days.
Have you tried this calculator for calculating loan balances? There’s a "feed" option that permits you to add any amount to the loan on any date.
If this doesn’t work for you (or if it does!) please let me know and I promise I’ll reply sooner.
Michael says:
Hello Karl,
Do any of your calculators allow for comprehensive real estate analysis like outlined in this youtube demo?
https://www.youtube.com/watch?v=HR7yahESd5o
If not, would you consider creating one?
Thanks,
Michael
Karl says:
Hi Michael, I’ll take a look at the video, but it’s better if you ask a direct question to get a more prompt answer. My work is backed up and I’m not sure when I’ll get to YouTube again.
Thomas Brooks says:
Is there a way to save the inputs in the calculator? If I have to make changes in the future, I don’t want to have to input all those payments again. Thank you.
Karl says:
No. That’s the reason for considering either the purchase of C-Value! ($49.95) or SolveIT! ($69.95). Both programs run on Windows computers. C-Value! is one calculator and you can save your inputs. SolveIT! has over 40 calculators, including the C-Value! calculator and you can save from several of the calculators, but not all of them.
Dinh Han says:
Which calculator is best suited for dividend reinvestment?
Karl says:
You can use this calculator. Scroll down the page to the tutorials. I think you’ll want to use the percentage step special series to represent the dividend cash flow.
Jeff Robert says:
Have used the Ultimate Financial Calculator on a number of occasions and been quite impressed. Decided to purchase the C-value calculator so I could save my work. I’ve been disappointed and frustrated since. While it’s stated that it has the same capabilities, which I’m sure it does…the look and feel…at least to me isn’t nearly as user friendly.
I’m entering my loan from my bank line for line and can’t get the numbers to match up. Granted, the first year of payments were interest only, I’ve followed the instructions. It removes the amounts and replaces it with “interest only” but when I look at the Amortization schedule it may or may not be correct from one line to the next and seems to change every time I look at it. I do it on one line and it list it as all interest, do it on the next and it doesn’t, redo it and it changes the first….Grrr frustrating!
Also, why isn’t there an Xtra-payment option in the drop down like online. Here again, try to follow the instructions but it just seems awfully cumbersome and difficult.
I want to believe I have to be missing something – have read through a few of the tutorials without much luck…hoping you can offer some guidance and clarification as to why I’m having so much trouble.
Karl says:
Jeff, I’m sorry you’re finding C-Value! to be difficult and frustrating.
A couple of things….
There will be some differences between C-Value! and the online UFC. The UFC was the last calculator to be updated.
With respect to the Xtra Payment, C-Value has it. It’s just implemented differently. On a payment row, open up the Special Series window and select the "Principal First" tab and activate it. The UFC has this feature too. All the Xtra Payment selection in the dropdown does is save the user the trouble of opening the Special Series window. I didn’t have the idea of the dropdown extra payment option at the time C-Value! was last updated.
The interest-only options should be the same between the two calculators. Or put it this way, I can’t think of anything that would cause a difference.
When you say you can’t get the numbers to match up, do you mean between C-Value! and UFC or C-Value and the lender? Does UFC match the lender? Each line needs to be set to interest-only (for either calculator) if that’s what they are. Without the specifics, it’s hard for me to offer specific advice.
Did you see how you can save a file in C-Value! and then drag-and-drop it on the UFC page and UFC will read the file? This is a beta feature, and you may need to tweak or reset some setting in UFC.
Of course, if ultimately, you are not happy – I’ll refund your purchase price.
Also, I should have a version of the UFC ready later this year that will let users save their data. This will be available via a subscription service (UFC as is, will remain free.)
Jeff Robert says:
Karl,
Thanks for the response – Appreciate the offer of a refund, but honestly would much prefer to just figure out what I’m doing wrong and use the product. Hopefully you can get me there with minimal pain on your end and you won’t be offering to pay me to leave before we’re done..LOL!
To clarify – I’m having trouble getting C-Value to match what my bank is showing, as well as UFC for that matter. But let’s eat this elephant one bite at a time. First, I’m noticing that UFC allows me to have Principal First payments with a Normal Calculation method. However, If I try to mark a payment as principal first in C-Value, I’m getting the following warning:
“A principal first series is only allowed with the U.S. Rule compute method. You can change the compute method in the compute setup window. Would you like the compute method changed to U.S. Rule now? Yes/No”
Karl says:
Let’s see where this road takes us. I’m certainly ok with the approach.
Are you familiar with U.S. Rule? What it means is, interest won’t be calculated on prior unpaid interest. In UFC, when a user sets XPmt, the U.S. Rule is applied automatically to the one row as that’s a requirement for Principal First (basically, a borrower wants all the extra payment amount applied to Principal).
C-Value! will do this as well, but:
1. The user has to select the U.S rule option as a compute method (from the settings menu, compute setup).
2. The setting applies to the entire loan, not just the one payment. The impact of this for C-Value! is if a payment is late, and a 0 pmt amount is entered to indicate a late or missed payment, this will cause interest to be accrued and added to the balance. This then means, since the U.S rule is select, the accrued interest will not be part of the balance and no interest will be calculated on the unpaid interest. These details are shown in both calculators in the expanded schedule layout (more columns).
So, bottom line, depending on the specific cash flows and how they are entered, the UFC and C-Value! can have different results if UFC is not set to U.S. Rule for all payments. C-Value! does not allow just setting U.S. Rule for one line.
While this may be important for you, I suggest trying a few entries just so we can understand exactly how much of a difference there is between the two.
Jeff Robert says:
Karl,
Thanks for the response –
No, I did not know the particulars of the U.S. Rule, so thanks for the detailed explanation. Went back to work on my C-Value sheet double checking and redoing my entries. Got past my first year of entries which included Interest only payments as well as extra principal payments and my balance was spot on. When I try to enter my first “regular” payment (including principal and interest) it seems to get off track….If need by, can I send you the file to see where I’m going wrong.
Assuming I get past that, the next problem I anticipate is I’ve had a reduction in interest rate, which I’ve seen there is a method for entering…However, they left my monthly payment the same in-spite of the reduction in rate. So, I’m not sure how I will have to input that information.
Karl says:
Yes, sure, you can send me the file. Email address on the contact page.
What’s off track? The payment amount calculation? If so, you can enter the payment amount you want to use? Or the interest calculation. In that case, check that the days per year options are set the same for both calculators.
You can enter a rate change event in C-Value!, followed by the payment amount that matches the lender. If the payment amount did not drop following the interest rate decrease, then that just means more is being applied toward the principal each period and the loan will be paid off faster, than if the payment dropped too. Whether this is right or wrong depends on the terms of the loan or what the lender and borrower agree to at this point.