Free online debt calculators, loan calculators, and credit card calculators.

Free Loan, Debt, and Credit Card 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

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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 Investment Calculators

Free Tax Calculators

Free College Saving Calculators

Free Insurance Calculators

Free Business Owner Calculators

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

There are hundreds of websites with free online credit card 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 investment calculators and MoneyToys uses Wheatworks.

Large collection of free debt and loan calculators.

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

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 5 of 11 of the free financial calculators:
Debt / Credit Card / Loan 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

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

Same as and

It 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.

Same as Calculators.interest

Miscellaneous Vendors

Same as FinanceCalc

All go to a main menu where you have to choose the calculator you want again

Auto Loans, Rebates, and Lease vs. Buy, etc. Some for free. Auto Loan Calculator.

Car Loan Payment Calculator.

Car Purchase Calculator.

Auto monthly lease payment calculator. Auto loan calculator: Usual TVM calculator with trade in, and other vehicle loan parameters.

Auto loan accelerated bi-weekly payment calculator.

Calculate and compare financing between your credit union and low interest dealer financing.

Lease vs. auto loan calculator.

Calculator to compare three auto loans (low interest rate financing calculator).

Compound interest calculator: Input N, PV, PMT, I, and accelerated payments, and it calculates the difference.

Calculate whether to take advantage of low interest financing or a manufacturer rebate.

Calculate the difference between an auto loan or using home equity to purchase a vehicle.

Auto Refinance Interest Savings.

Calculate savings of accelerating auto loan pay off.

Lease vs. auto loan calculator.

Loan vs. 0% dealer financing.

What would my auto payments be?.

Auto loan - accelerated pay off.

How much vehicle can I afford??

Auto loan vs. lease payment calculator.

Calculates the difference between three financing plans, one with 0% interest, and lease.

Calculated payments on vehicles you can afford, considering trade in, and fees.

Auto Loan Payment Calculator.

Auto Finance Payment Calculator.

Auto loan calculator.

Auto Dealer Lease Payment Calculators.

Auto loan calculator.

Rebate vs. low-cost loan.

Payoff your car more quickly.

Low interest financing calculator.

Simple interest financing calculator.

Buy or lease a vehicle.

Auto Lease Payment Calculator.

Lease calculator.

Vehicle affordability calculator.

Generic Loan Calculators:

Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator

Some for free. Advanced Loan Payment Calculator.

Loan Amortization Calculator.

Amortization Schedule Calculator.

Extra Payment Calculator.

Flat Rate Loan Calculator.

Loan Calculator.

Loan Interest Calculator.

Loan Payment Calculator.

Monthly Payment Calculator.

Loan calculator: Input PV, I, N, compounding period and it calculates an amortization table.

Loan Calculator: Compound interest calculator: Input PV, I, N, PMT, or FV and it calculates the other values.

Loan Comparison Calculator.

Standard balloon loan calculator: Input loan amount, term, rate, and calculate an amortization schedule.

Calculate the affects of balloon mortgages: Input Loan amount, term, rates, and it calculates the payment and balloon payment.

Debt consolidation calculator: Input existing debts and calculate the payment of a consolidation loan.

Similar debt consolidation calculator to above but with sliders.

Calculate the value of investing savings from debt consolidation.

Loan calculator with sliders.

Similar loan calculators to above, but shows loans going back in time.

Input loan parameters and calculate the difference between three loans.

4 input debt consolidation calculator.

Calculate your ability to qualify for a loan.

Loan calculator: Input N, I, and it either calculates PMT or PV (loan amount).

Loan & Line Payment: Input percent of loan balance and it loan parameters.

Debt Service Coverage.

Cost-of-Debt Calculator.

Snowball Debt Elimination Calculator.

Debt consolidation calculator: Input existing debts and calculate the payment of a consolidation loan.

Calculator to see if you'd make more money paying off debt or investing a surplus.

Similar pay off debt or invest calculator as above.

Calculate loan payments.

What is the balance owing on my loan?

Re-structuring debts for accelerated pay off.

Cash up front or payments over time.

Impact of making extra debt payments.

Pay down debt or invest more?

Debt consolidation calculator, calculate the payments of a new consolidation loan. Loan Payoff Calculator.

Balloon Payment Loan Calculator.

Loan Payment Calculator.

Calculator to see if you'd make more money paying off debt or investing a surplus.

Accelerated repayment plan.

Finra's loan calculator.

Generic loan calculator.

Loaf pay off calculator.

Credit Card Calculators and Miscellaneous Debt, Amortization Schedule, and Odd Loan Calculators Some for free. Cost Of Credit Cards Calculator.

Credit Card Balance Transfer Calculator.

Credit Card Cash Back Calculator.

Credit Card Debt Calculator.

Credit Card Minimum Payment Calculator.

Credit Card Payment Calculator.

Credit Card Payoff Calculator.

Credit card minimum payment calculator.

Credit Card Payment Calculator.

Credit Card Minimum Calculator.

Credit Card Balance Transfer Calculator.

Credit card optimizer calculates the best distribution of your credit card debt.

Credit card pay off calculator. Integrates fees and new purchases.

Credit card roll-down calculator: More inputs than the ones above.

Add up all of the debts you owe and it sums all of the pertinent information.

Calculate how long it will take to pay off credit card debt.

Debt to Income Ratio.

Credit card pay off calculator. Integrates fees, skipping payments, and new purchases.

Estimate my credit score calculator.

How long will it take to pay off my credit card?

Calculates combined parameters on all (up to 12) loans.

Calculates combined parameters on all (up to 10) loans, and shows how long it will take to pay them off.

Debt Reduction Calculator.

Credit Card Minimum Payment Calculator.

Credit Card Payoff Calculator.

Credit Repair Spreadsheet.

Car Depreciation.

Loan Amortization Calculator.

Loan Calculators with Amortization Schedule.

Debt Reduction Calculator.

Amortization Schedule.

Amortization Chart.

Amortization Calculator.

How much do you owe?

Roll-down your credit card debt.

Paying off a credit card.

Minimum payment calculator.

Balance transfer calculator.

Amortizing loan calculator.

Calculate making extra loan payments.

Balloon payment calculator for loans.

Loan calculator for making weekly payments.

Loan calculator for making quarterly payments.

Loan calculator for making semi-annual loan payments.

Loan calculator for making annual payments.

Loan calculator for making fixed principal payments.

Credit card payment calculator.

Calculator for credit card debts.


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