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The Ultimate Financial Calculator (UFC) is the most sophisticated, most flexible calculator on financial-calculators.com and I think on the entire internet.
See the tutorials for step-by-step instructions.
If you are someone who needs date accurate results with either regular or irregular cash flows (loans, payments, deposits, withdrawals, investments), this is the calculator you should study and use.
Questions?
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New! Drag & drop your saved files here to load...
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.)
Update for 2021
- New: Added support for 366-day year under "Settings". Impacts interest calculation for odd length periods or when "Exact", "Daily", or "Continuous" compounding is selected.
- New: Schedule type - Escrow
- New: Now you can optionally add a unique comment or note to any transaction. Click on "Cach Flow Options" and select "Comment".
Calculator's Features
See these tutorials for step-by-step instructions.
Solve for any unknown
- Payment or loan amount
- Deposit or withdrawal
- Yields: APR, APY or IRR
- Balance as of a specific date
- Date a specific balance is reached *
- Present value (PV)
- Future value (FV)
- Balloon payment amount
- Payment required to reach a specific balloon
- Number of payments
- Interest rates - nominal or effective *
- Discounted values
- Remaining balance
- Deposit required
Any type of calculation method
- Normal amortization or investment
- Rule-of-78s
- Canadian methods
- US Rule — simple interest
- Supports 360, 364, 365 and 366 day years
- Exact day or periodic interest calculations
Scheduled (but adjustable) Payment Frequencies
- Daily
- Weekly
- Bi-weekly
- Twice monthly (Half-month)
- Every 4 weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 months
- Semi-annual
- Annual
Flexible Reports & Schedules
- Amortization & investment schedules
- Schedules with details or totals only *
- Custom headers and labels *
- Change fonts, bcolors *
- Select a fiscal year end
- Reg. Z APR disclosure report *
- Track or keep an "Open Balance"
- New Track escrow payments and disbursements
Handles any type of cash flow
- Normal
- Interest only
- Enter your own payment amount
- Negative amortization
- Skipped payments or deposits
- Fixed principal + interest
- Percent step amounts
- Dollar step amounts
- Balloon payments
- Extra payments — principal only
- Payments to interest
- Cash flow amounts set to any random date
Compounding Frequencies
- Exact Day / Simple
- Daily compounding
- Weekly
- Bi-weekly
- Twice Monthly (Half-month)
- Every 4 Weeks
- Monthly
- Bi-monthly (every two months)
- Quarterly
- Every 4 Months
- Semi-annual
- Annual
- Continuous
- Change the frequency of compounding during a cash flow
- No compounding option when rate changes
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Calculators the Ultimate Financial Calculator Replaces
With this calculator's flexibility, it will meet the needs of anyone searching for:
- loan repayment calculator
- loan payoff calculator
- mortgage payoff calculator
- repayment calculator
- student loan repayment calculator
- home loan repayment calculator
- car loan repayment calculator
- debt payoff calculator
- early mortgage payoff calculator
- debt repayment calculator
- individual or specialty TVM calculators
TValue is a trademmark of TimeValue Software.
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Elizabeth Adams says:
Hello, Karl… The “Ultimate Financial Calculator”…this is the one you developed, yes? I’m interested in your work… can you tell me if there’s a fee involved to use it and, if so, can you provide a link? Thank you… Elizabeth
Karl says:
Hi, yes, I developed UFC. There is no charge presently for using the online calculator. The equivalent calculator for Windows is C-Value! and that costs $50.00 for a license. Unless you have a specific reason for needing C-Value! (such as its export to Excel feature and its ability to change fonts for reports), I would recommend the free online Ultimate Financial Calculator.