Free Loan, Debt, and Credit Card Calculators
(is listed below. The financial planning software modules are on the right-side column)
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Free Downloads and Money Tools
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|You can stop searching, because almost all free online debt, loan, and credit calculators are
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
Our free 401(k) Calculator is the only one that performs all functions from all other 401k calculators
The bond calculator's demo has the most functional free bond yield to maturity calculator on the web
Our free personal budget software is okay considering there's no way to make money from it since everyone already has a free budget program
We listed almost every free online debt calculator on the web. And when it comes to debt consolidation, any and every tool is helpful.
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, FinanceCalc.com just VisualCalc.com's investment calculators 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.
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:
|Financial Planning Software Modules For Sale|
(are listed below)
|Tools For Money||Calculatorpro.com||CalculatorWeb.com|| Dinkytown.net
Have to have Sun Java / ActiveX running (both are security risks)
Same as FinCalc.com and CalcXML.com
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
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.||Auto monthly lease payment calculator.||Auto loan calculator: Usual TVM calculator with trade in, and other vehicle loan parameters.||Lease vs. auto loan calculator.||Auto Loan Payment Calculator.||A few sliders calculates auto loan payments (Click on "Auto loan calculator")
|Generic Loan Calculators:
Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator
|Some for free.||Advanced Loan Payment Calculator.||Loan calculator: Input PV, I, N, compounding period and it calculates an amortization table.||Standard balloon loan calculator: Input loan amount, term, rate, and calculate an amortization schedule.||Debt consolidation calculator: Input existing debts and calculate the payment of a consolidation loan.||Debt consolidation calculator, calculate the payments of a new consolidation loan.||Loan Payoff Calculator.||No.|
|Credit Card Calculators and Miscellaneous Debt, Amortization Schedule, and Odd Loan Calculators||Some for free.||Cost Of Credit Cards Calculator.||Credit card minimum payment calculator.||Credit card optimizer calculates the best distribution of your credit card debt.||Credit card pay off calculator. Integrates fees, skipping payments, and new purchases.||Calculates combined parameters on all (up to 12) loans.||Debt Reduction Calculator.||No.|
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