Free online investment calculators for managing money.

Free Investment Calculators

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You can stop searching, because almost all free online investment calculators are listed below

All of our free investment 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 just okay because you can't make money from it because all of the major vendors just give theirs away for free

Large collection of free investment calculators.

We listed almost every free online investment calculator on the web. Then we made better 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:
Investment 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
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Financial Planning Software that's Fully-Integrated

Retirement Planning Software Menu: Something for Everyone

Comprehensive Asset Allocation Calculator

Asset Allocation Models with Investment Track Record

Our Monthly-updated Mutual Fund Picks

TVM Financial Tools and Free Financial Calculators

Financial Planning Fact Finders

Investment Policy Statement Software

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Life Insurance Needs Calculator

Rental Real Estate Analysis Software

Net Worth Calculator

College Savings Calculator

Marketing Seminar for Financial Planners

Financial Planning Marketing

Free Personal Budget Software and 75-year Cash Flow Projector

Vendors >

Functions

Tools For Money Calculatorpro.com CalculatorWeb.com Dinkytown.net

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

FinancialCalculators.com

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.

Miscellaneous Vendors VisualCalc.com

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.

Treasury Bond Calculator.

Bond calculator: Input coupon rate, maturity date, and it calculates bond's current market price or yield. Slider to see values change.

Graphical Bond Calculator.

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.

Annualized Rate of Return Calculator.

APY Calculator.

Compound Annual Growth Rate.

Dividend Discount Model Calculator.

Holding Period Return Calculator.

Investment Return Calculator.

Price to Earnings Ratio Calculator.

Sharpe Ratio Calculator.

Treynor Ratio Calculator.

No. Investment return calculator: Input N, I, PV, PMT, inflation, taxes, and it has sliders to calculate a graph of FVs.

Investment Savings and Distributions.

Calculate the long-term impact of investment returns.

Income generated by a savings plan.

Return on Investment.

Calculator for comparing investments.

Investment yield calculator.

Compound yield calculator.

Wealth calculator.

No.
Stock Dividend Calculator The Portfolio Yield Calculator does this way better, but not free. Dividend Yield Calculator.

Preferred Stock Valuation 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.

Investment Questionnaire.

Investment Questionnaire.

Answers to ten questions will score investor risk tolerance. Investment risk tolerance calculator.

Asset allocation profiler.

Investor risk tolerance calculator.

Answers to questions calculates investment risk tolerance (Click on "Determining risk tolerance calculator").
Investing Taxation:

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.

Investment Distributions.

Taxable vs. Tax Advantaged Investments.

Municipal bond tax equivalent yield calculator. Input taxable bond yield and tax parameters, and it calculates muni tax equivalent yield.

Taxable vs. tax deferred savings calculator: Input TVM and tax parameters and it compares the difference between them.

What is my taxable-equivalent yield?

Tax equivalent yield calculator.

Tax deferred savings calculator.

Taxable equivalent yield calculator.

A few sliders compare taxable- vs. tax-deferred growth (Click on "Tax-deferred savings comparison calculator")

A few sliders calculates the difference between IRAs, and Roth IRAs (Click on "IRA comparison calculator")

Several inputs and a few sliders calculates withdrawals, surrender charges, and break even points (Click on "Annuity calculator").

Value a Put or Call Option No: But the Chicago Board of Options Exchange has several free ones: http://www.cboe.com/.

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.

Compare Investment Fees.

How do expenses impact mutual fund returns?

No.

No.
Stock Option Calculator Yes, the best ever, for ESPP/ISO/NSOs, but not free and not for ESOPs (Employee Stock Options Plans).

There's an interesting one for ESOPs here.

No. No. Graph of stock option worth. Input stock price, quantity, N, stock price, I, and it calculates their worth if exercised.

Annual stock option calculator: Project how much a series of annual stock option grants could be worth to you.

Graph of stock option worth. Input stock price, quantity, N, stock price, I, and it calculates their worth if exercised.

Stock option calculator to analyze if you should exercise your taxable options.

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.

CD annual percentage yield calculator: Input deposits, N, I, and sliders calculates total value.

Calculate potential interest growth and tax liability on your CD.

Certificate of Deposit (CD) laddering strategy.

Calculates how much interest is earned on CDs with sliders.

Calculates the difference in CD Ladders vs. rolling them over.

No.

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