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You can stop searching, because almost all free online college savings calculators are below All of our free financial calculators, are on the Time Value of Money Tools demo, except for these, which are here: The world's most functional free online retirement calculator (a scaled-down version of the RP Retirement Planner) The bond calculator's demo has the most functional free bond yield to maturity calculator ever to be on the web We also think our free personal budget software is the best the web has ever seen for free downloading too We listed almost every free online college calculator on the web. There are hundreds of websites with free online financial 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, FinanceCalc.com just uses VisualCalc.com's financial spreadsheets and MoneyToys uses Wheatworks. Please keep in mind that Tools for Money didn't make the ones listed below, they're just links to other free online financial calculator websites. Bloomberg's financial calculators are the best. 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. But what do you expect for free? Use these simplistic results at your own peril! If you don't like financial peril, you can always get detailed Real World results by paying a few bucks to use our financial calculators instead. Time Value of Money and Financial Calculator Terminology 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 or subtracted to 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.
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