# Step-by-Step TutorialsFor 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.

Idx No Series Date Amount # Periods Frequency End Date Series Options cmpFreq specialSeriesType SpecialSeriesStruct
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File save and open are new beta test features. If you happen to get a different calculated result, do not assume that this calculator is making an error. Most likely, the problem is with the new file load feature. Please check that all settings got loaded as expected.
(Also works with your C-Value! *.cv1 and TValue™ *.tv5 files.)
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