Free Investment Calculators
(is listed below. The financial planning software modules for sale are on the right-side column)
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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 investment calculator on the web. Then we made some free investment calculators in Excel so you can use them offline.
There are hundreds of websites with free online financial spreadsheets, 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 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.
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 6 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
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, then they should all work.
Same as FinanceCalc
All go to a main menu where you have to choose the calculator you want again
|Asset Allocators||Yes, the best ever made, but not free.||No.||Asset allocator: Input portfolio amount, click on a risk tolerance category, and it divvies up between six asset classes.||Investment asset allocator: Slider that proposes different mixes of asset classes.||Investment asset allocator: Answers to questions propose different mixes of asset classes.||Asset allocation calculator.||No.|
|Bond Yield to Maturity Calculators and T-Bill Calculators||YES! All of the usual functions, plus the best free Bond YTM calculator ever, plus much more!||Bond Valuation Calculator.||Bond calculator: Input coupon rate, maturity date, and it calculates bond's current market price or yield. Slider to see values change.||No.||No.||Finra's Accrued Interest Calculator.||No.|
|Present Value of Bonds and Yield Calculators||Yes, the best ever, but not free.||Current Yield Calculator.||No.||No.||Present value of bond cash flows calculator.||Rate yield calculator.||No.|
|Futures Contracts Calculator||No plans to make one.||No.||No.||Futures contract calculator: Input equity, amount at risk, pick a plan and it calculates the amount at risk.||No.||No.||No.|
|Investment Margin Loan||No plans to make one.||Margin Call Calculator.||No.||Calculate effect of margin to purchase an investment or appreciable asset.||No.||No.||No.|
|Investment Return and Profit Calculator and Ratio Calculators||We have some for free.||Annualized Quarterly Rate of Return Calculator.||No.||Investment return calculator: Input N, I, PV, PMT, inflation, taxes, and it has sliders to calculate a graph of FVs.||Calculate the long-term impact of investment returns.||Return on Investment.||No.|
|Stock Dividend Calculator||The Portfolio Yield Calculator does this way better, but not free.||Dividend Yield Calculator.||No.||No.||Stock dividend calculator: Input share price, quantity, dividend and tax bracket, and it calculate re- and post-tax dividend yield.||No.||Input parameters to track investment portfolios (Click on "Portfolio tracker calculator").|
|Investment Risk Tolerance Calculator||Yes, the best ever, but not free.||No.||No.||Answers to ten questions will score investor risk tolerance.||Investment risk tolerance calculator.||Answers to questions calculates investment risk tolerance (Click on "Determining risk tolerance calculator").|
Muni Bond Tax Equivalent Yield (taxable vs. tax-free interest) and Taxable vs. Tax-deferred Growth.
|Yes, some are free.||Taxable Equivalent Yield Calculator.||No.||Municipal bond tax equivalent yield calculator. Input taxable bond yield and tax parameters, and it calculates muni tax equivalent yield.||Municipal bond tax equivalent yield calculator. Input taxable bond yield and tax parameters, and it calculates muni tax equivalent yield.||Tax equivalent yield calculator.||A few sliders compare taxable- vs. tax-deferred growth (Click on "Tax-deferred savings comparison calculator")|
|Value a Put or Call Option||No: But the Chicago Board of Options Exchange has several free ones:
Also here's a site that has the following: Black-Scholes Pricing Analysis, Binomial Tree Option Calculator, Trinomial Tree Options Calculator, Barrier Option Calculator Using Trinomial Lattice, Black-Scholes/Binomial Convergence Analysis, Dividend Impact Analysis and American and European Option Pricing Comparisons, Stock Price Lognormal Distribution Analysis Calculator, Stock Price Probability Calculator.
|No.||No.||No.||Put or call option pricing: Input stock price, shares, strike price and current price and it calculates if it's in the money or not plus other values.||No.||No.|
|Mutual Fund Expense Calculators||Yes, the best ever created, but not free.||Investing Commissions Calculator.||No.||Input mutual fund parameters and it calculates the percentage fees you'll pay.||
|Stock Option Calculator||Yes, the best ever, for ESPP/ISO/NSOs, but not free and not for ESOPs (Employee Stock Options Plans).||No.||No.||Graph of stock option worth. Input stock price, quantity, N, stock price, I, and it calculates their worth if exercised.||Graph of stock option worth. Input stock price, quantity, N, stock price, I, and it calculates their worth if exercised.||Stock option calculator.||No.|
|Currency Conversion Calculator||No plans to make one.||No.||Input date, country, and it converts the value of $1 US into the equivalent amount of foreign currency.||No.||No.||Currency conversion calculators.||No.|
|CD Calculator||Two CD calcs for free.||CD Calculator.||No.||Calculate benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.||Calculate potential interest growth and tax liability on your CD.||Calculates how much interest is earned on CDs with sliders.||No.|
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