Updates for 2022: Historical Investment Calculator update to 15 indices through Dec. 2021
Compare different assets, for example, the S&P 500 with gold and housing, and optionally adjust for inflation.
Inflation Calculator U.S. and German historical inflation calculations plus future inflation. Investment Calculator inflation model updated.

Ultimate Financial CalculatorInvest or pay any amount, on any date, at any rate


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.


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IdxNoSeriesDateAmount# PeriodsFrequencyEnd DateSeries OptionscmpFreqspecialSeriesTypeSpecialSeriesStruct


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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.)

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

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.


145 Comments on “Ultimate Financial Calculator”

Join the conversation. Tell me what you think.
  • 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

    • 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.

  • Karl,
    I’m trying to correctly calculate the loan balance where the borrower makes payments days or sometimes 1-3 months late. The interest is compounded monthly (I selected monthly in the compounding setting). I entered the loan details and then entered each payment using the exact date the payment was received. The schedule shows a balance due. Is the interest being compounded monthly when payments are missed for 1-3 months?
    Alternatively, should I enter the loan and enter each payment on the date it’s due (1st of the month) with a $0 amount, then enter the actual payment as an Xpmt on the actual date received? Would it yield a different balance due? I have an xml file I can send if it would be helpful.
    Great site, Karl. Thanks, Zach

    • Hi Zach, yes, the interest is being compounded monthly since that’s the frequency you’ve selected. I would enter the payments on the dates they are received. No need to enter the missed payments as a 0 unless you want to show the balance after the missed payments.

  • Hello Karl,
    Great website!
    I am wondering why at the bottom of my schedule I can have zero in my Interest Balance and $75,000 in my Principal Balance, but the (overall) Balance is $74,951.19? Shouldn’t that last column equal to the sum of the previous two? I notice that the difference of $48.81 is equal to the sum of two earlier loan/fee amounts that were applied as a negative principal paid for the amount of interest charged for those particular periods. Curious what is happening here. Thanks very much!

    • Thank you. I’m glad that you find the site useful.

      I’m not sure that I’m following you however. Can you email me a PDF copy of your schedule? The email address is on the contact page. You can use your browser to print to PDF by selecting PDF as the destination printer. Why I don’t follow you is, depending on your inputs and option selections, this calculator creates, automatically, different report layouts.

  • Eric Livingston says:


    Is there a way to purchase the online calculator? I could really use it for our CRM. It isn’t WordPress or Windows. Great work!


    • Thank you! Please contact me via email to discuss this. The email address is on the contact page, which is linked to from the bottom of every page on this site.

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