The Ultimate Financial Calculator is the most sophisticated, most flexible calculator on financial-calculators.com and I think on the entire internet. If you are someone who needs date accurate results with irregular cash flows (loans, payments, deposits, withdrawals, investments), this is the calculator you should study and use. Questions? Remember, I'm here to help. More below...»
Time Value of Money (TVM) is the concept that the value of money itself changes over time. Having a dollar today is worth more than a dollar tomorrow. Solving for present value, future value, amount, interest rate and term are some common time value of money calculations. The above online Ultimate Financial Calculator is capable of performing any of these calculations with regular or irregular amounts on any date for savings or loan cash flows.
* Feature only available in C-Value! ™,
our cash flow calculator for Windows™
The below tutorials walk you through the steps for setting up 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 in this window as you read.
Feel free to let me know if you have an idea for an additional tutorial.
financial-calculators.com
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Hey Karl,
Just wanted to say Thanks! The attorney for the person doing an owner finance mortgage for me used your site to give me an amortization schedule, and now I have used it to print a schedule for the extra payments I plan to make. The tutorial for setting up the schedule was very easy to follow. I appreciate the use of your site!
Thanks, Kim! I appreciate hearing how it’s used.
Thank you! Is this at all available as an excel template?
You’re welcome.
It’s not. One of the features I’m thinking about adding is the ability to export the schedule to Excel. Would that help?
In the meantime, it is possible to select the schedule in the print preview and copy/paste to Excel. If you try it, you’ll probably need to do a Paste Special in Excel and paste without the formatting. (Generally works best with IE.)
Hi Karl,
This is a great resource for my financing business. Thank you!
I had a hard time finding something that accounts for the delay in 1st payment over the loan date.
If you do a template/export option, it would be even more appreciated.
Thanks again!
Daniel
Thank you. Setting loan date and first payment date separately is a popular feature.
I’m thinking about adding an export to Excel feature. But I have a lot of other items on the list to do first. In the meantime, it is possible to copy/paste to Excel (if that’s helpful) from the print preview window. You will most like have to use Excel’s "Paste Special"e feature without formatting. But each value will be in it’s own cell. From there, you can add back in any formatting you like.
Karl,
Your amortization schedule is wonderful.
I am a business law and real estate attorney . I have been practicing for 50 years.
I just came across your financial calculator web site. Where has it been for the last 50 years?
Oh yea, computers and software were in their infancy.
It is now in my “favorites” category.
Peter Abbo
Well, thank you! I appreciate the nice words. As you noted, I wouldn’t have been able to help you out 50 years ago, but I did write my first calculator in March 1983 (for an Apple IIe), and I’ve just not been able to stop. 🙂
Please tell your colleagues about this site. I could use the traffic for bragging rights.
I tried to use the shortcode for calculator plus so I use it to solve for the interest rate but it had another calculator? Could you tell me what is the correct shortcode?
Hi Chris, I see I have an error in the documentation that I need to fix.
For this plugin FC Loan Calculator Plus, this is the shortcode example:
[fcloanplusplugin sc_size="medium" sc_custom_style="no" sc_add_link="Yes" sc_brand_name="Your Brand Name Here If Desired" sc_hide_resize="No" sc_loan_amt="31500" sc_n_months="60" sc_rate="5.75" sc_pmt="0.0"]
This is the minimum:
[fcloanplusplugin]
Make sure you have downloaded the plugin from the above link (not from what’s in the WordPress Plugin directory).