Step-by-Step Tutorials For the Ultimate Financial Calculator

The below tutorials step you through the indicated financial calculation. I recommend that you right click on a link and select Open in New Window so you can have the calculator handy as you read.

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Idx No Series Date Amount # Periods Frequency End Date Series Options cmpFreq specialSeriesType SpecialSeriesStruct


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  1. Calculate Payment
    • loan or mortgage periodic payment calculation
    • also an introduction to this calculator
  2. Investment Cash Flow
    • calculating final value
  3. Calculate Income From An Investment
    • How to calculate income you can expect from an investment
  4. Adjustable Rate Mortgage or Loan Calculator
    • ARM with interest rate changes on any date you desire
  5. Calculate a Loan's Term
    • How to solve for an unknown number of payments
  6. Calculate Loan Amount
    • How much can I borrow?
  7. Balloon Payment Calculation
    • Calculate the balloon amount
  8. Balloon Loan Calculation
    • Calculate the periodic payment required to result in a specified balloon
  9. Random Extra Principal Payment
    • How to prepay principal on any date
  1. Loan with Series of Extra Principal Payments
    • How to calculate loan or mortgage with extra payments
  2. Construction Loan Calculator
    • Generally a short term loan with multiple borrows
  3. Monthly Skipped Payments
    • Loan or mortgage with scheduled skipped payments
  4. Odd Length First Period
    • Interest payment options for initial period
  5. Interest Only Loan
    • Initial series of interest only payments
  6. Biweekly Mortgage Payments
    • Pay 1/2 the monthly payment every other week to reduce the total interest paid
  7. US Rule
    • No interest charged on interest — separate tracking of interest balance
  8. How much do I have to save or invest?
    • State your goal - calculate periodic investment amount needed to reach goal
  9. Paying for College
    • You may have longer than you think
    • Multiple investments with multiple, overlapping withdrawals
    • Demonstrates solving for unknown in complex cash flow
  1. Future Value Calculation
    • How to set up simple or complex cash flows to calculate FV
  2. Present Value Calculation
    • How to discount a simple or complex cash flow to find its PV
  3. Calculate PV of Fixed Principal + Interest Loan
    • Calculate PV of the declining payment amount
    • Demonstrates the cash flow analytics of this calculator
  4. Calculate Rate of Return (ROR) on an Annuity
    • How to set up an annualized ROR calculation
  5. Calculate Time It Takes to Reach Investment Goal
    • Set a goal and see how long it takes to reach it
  6. Calculate ROI for X Days
    • Exact day return on investment calculation
  7. Calculate Loan Balance — Loan Payoff Calculation
    • Enter payments for any amount on date made — audit balance due

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