Free online business calculators and financial calculators.

Free Business Calculators

Site Information
(is listed below. The financial planning software modules for sale are on the right-side column)

Confused? It Makes More Sense if You Start at the Home Page

Financial Software Price List

How to Buy Investment Software

Discounts for Financial Advisers
(and how to subscribe to the full Bundled Deal for $100 a month)

Lifetime and 5- to 15-year Extended Subscriptions

New Financial Planner Starter Kit

Professional Investment Portfolio Building Kit

Financial Planning Software Support

Financial Planner Software Updates

Site Map

Site Information, Ordering Security, Privacy, FAQs

Questions about Personal Finance Software? Call (503) 309-1369 or Send E-mail to

Free Downloads and Money Tools
(are listed below)

Free How-to Money eBook for DIY Investors, Critical Reading for Financial Advisers, and for Exposing Financial Myths

Free Sample Comprehensive Financial Plans

Free Money Software Downloads, Tutorials, Primers, Freebies, Investing Tips, and Other Resources

List of Free Financial Planning Software Demos

Selected Links to Other Relevant Money Websites


Free Retirement Calculators

Free 401(k) Calculators

Free Financial Calculators

Free Family Money Calculators

Free Real Estate Calculators

Free Debt Calculators

Free Investment Calculators

Free Tax Calculators

Free College Saving Calculators

Free Insurance Calculators

We listed almost every free online business calculator on the web.

There are hundreds of websites with free online business calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the financial calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate and display the results). So most financial calculators are the same. For example, just's personal finance software and MoneyToys uses Wheatworks.

Please keep in mind that Tools for Money didn't make the money calculators listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.

Time Value of Money and Financial Calculator Terminology

Large collection of free business calculators.

TVM = Time value of money - the basic concepts of what these financial calculators are all about. PV = Present Value (beginning investment values, or how much something is worth today). PMT = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly). I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). FV = Future value (usually the result, or the amount of money accumulated over N compounding periods). P = Principal, or how much money is being lent or borrowed. ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate.

This is page 11 of 11 of the free financial calculators:
Business Owner Calculators

401(k) Calculators

Basic Financial Calculators

Family Money Calculators

Real Estate Calculators

Debt Calculators

Investment Calculators

Retirement Calculators

Tax Calculators

College Calculators

Insurance Calculators

Business Owner Calculators

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
(the hedge fund alternative)

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

Vendors >


Tools For Money

Same as and

This won't work unless you accept their cookies, have your Java turned on, and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on your computer. So click on another calculator after the first attempt fails, and then they should all work.

Have to have Sun Java / ActiveX running (both are security risks)

Miscellaneous Vendors
Business Valuation No plans to get into this market. No. Business Value Calculator. What is the value of my business? Input data for four years and it calculates an estimate of what your business is worth. Balance Sheet.

What is my business worth today?

Business Cash Flow Calculator No plans to get into this market. No. No. No. Several inputs calculate business cash flow. Business Budget.

Income Statement.

Commercial Loan Calculator No plans to get into this market. No. No. No. Several inputs calculate debt service coverage with a new commercial loan. What term of loan should I choose?
Business Equipment vs. Lease No plans to get into this market. No. No. Should I lease or buy equipment? Dozen input business equipment lease vs. buy calculator.

Should I buy or lease equipment?

Business Financial Ratios Calculators

Business Break-even Analysis and Profit Margin Calculator

Miscellaneous Business Calculators

No plans to get into this market. Break Even Calculator.

Company Car Tax Calculator.

Coverage Ratio Calculator.

Current Ratio Calculator.

Customer Lifetime Value Calculator.

Debt to Assets Ratio Calculator.

Debt to Equity Ratio Calculator.

Debt to Income Ratio Calculator.

Store Discount Calculator.

Draw Against Commission Calculator.

Employee Turnover Calculator.

Fringe Benefit Calculator.

Gross Profit Margin Calculator.

Marketing ROI Calculator.

Operating Profit Percentage Calculator.

Percent Off Calculator.

Quick Ratio Calculator.

Recurring Payment Profit Calculator.

Return On Assets Calculator.

Business net worth: Input current assets and current liabilities, and it calculates ALE and liquidity ratio.

Four inputs calculate business break-even analysis: Input Variable costs, fixed costs, sales, price per unit, and it calculates break even.

Estimate my credit score.

Profit and Loss Calculator.

Depreciation Calculator.

Tax savings of a qualified retirement/cafeteria plan.

What are my new business startup costs?

Should I pay or charge monthly, quarterly or annually?

What is the value of my business?

How many units do I need to sell to breakeven?

What are my business financial ratios?

A dozen inputs will calculate several business ratios.

4 inputs calculate business break even analysis: Input Variable costs, fixed costs, sales, price per unit, and it calculates break even.

5 inputs and a slider calculate how much inventory you should hold, and when you should place inventory orders.

Input into a matrix and calculate profit margin.

4 inputs and a slider calculate business working capital needs.

Break Even Analysis.

Timesheet Template.

Time Sheet with Breaks.

Weekly Timecard by Project - Track number of hours worked on different projects.

Employee Shift Schedule.

Vacation Accrual Template.

Payroll Register Template.

Travel Expense Report.

Reimbursement Form.

Job Application Form.

Profit and Loss Template.

Business Startup Costs Calculator.

Statement of Cash Flows Calculator.

Depreciation Schedule Template.

Billing Statement.

How much do I need to start my business?

SBA Loan Calculator - What will the monthly payments and interest rate be for an SBA 7a loan? Just input the amount and term of the loan to find out.

Equipment Lease Calculator - What will the monthly payments be for leasing equipment? This calculator provides estimates for both lease to own, and fair market value leases.

Small business calculators created by a CPA firm.


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