Free Online Financial Calculators
(is listed below. The financial planning software modules are on the right-side column)
Confused? It Makes More Sense if You Start at the Home Page.
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|All of our free financial calculators, are on the Time Value of Money Tools demo, except for these, which are here:
We listed almost every free online financial calculator on the web. Then we made some free financial calculators in Excel so you can use them offline.
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 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 2 of 11 of the free financial calculators:
Basic 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
This won't work unless you accept their cookies, have your Java turned on (dangerous security risk), 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, then they should all work.
Same as Wheatworks
|Basic Time Value of Money Calculator Functions, CPI Inflation Calculators, Miscellaneous Financial Calculators||Yes, to most all - better and free!||Annual Effective Interest Rate Calculator.||Calculate how much in compound interest results from an investment over four different compounding periods: Annual, semi-annual, quarterly, and monthly.||$1Million calculator: Input PV, PMT, I, Inflation, and it tells when you'll have $1 million.||How long it takes to double money considering initial balance, interest rate, and tax rate (Rule of 72 calculator.||Compound interest calculator: Input PV, PMT, I, N, compounding periods, then select incremental changes in PMT & I, and it calculates a matrix of FVs.||Calculates the PV of lifetime earnings (value of human life) and inflated growth of earnings (Click on "Income growth calculator").|
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