There are hundreds of websites with free online family money 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 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 3 of 11 of the free financial calculators:
Family Money 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

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 > Functions	Tools For Money	CalculatorWeb.com	Dinkytown.net Have to have Sun Java / ActiveX running (both are security risks)	Miscellaneous Vendors	FinancialCalculators.com Same as FinCalc.com and CalcXML.com This 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.	VisualCalc.com Same as FinanceCalc All go to a main menu where you have to choose the calculator you want again
Structured payments vs. lump sum: Which is Better: Cash up Front or Payments over Time (e.g., Lottery Winnings)	Yes, but not free.	No.	No.	Which is better: Lump sum or payments?	Input lump sum vs. PMT data, and it calculates and compares the PV of both.	No.
Basic Financial Calculators for Math Functions and Miscellaneous Life Calculators	No, and no plans to go there.	Web Hosting Traffic Calculator. Web Site Cost Calculator. Web Site Value Calculator. Financial Programmable Calculator. Financial Calendar Calculator. Unit Conversion Calculator. Scientific Calculator.	Basic handheld calculator functions (but no financial calculator functions). Vice Savings Calculator.	Online keypad calculator. Calories Calculator. Lifespan Calculator. Financial literacy calculator. Geometric Mean Calculator. Distance, length, volume, capacity, time, temperature, area, mass, currency, flow, conversion, and data storage calculators. Landscaping materials calculator. Basic hand-held calculator.	No.	No.
World time Calculator	No, but you can just go to http://www.time.gov to get the most accurate time.	World time calculator: See what time it currently is, and how many hours difference, around the world.	No.	No.	No.	No.
Paycheck Calculators and Unemployment Calculators	No, and no plans to go there.	Salary Package Value Calculator. Car Benefit Calculator.	Net to gross paycheck calculator: Input net paycheck, allowances, taxes, deductions, filing status, withholding, and it calculates the gross amount. Hourly paycheck calculator: Input how many hours you worked at different rates (e.g., overtime), taxes and the usual parameters, and estimate your net paycheck. 16 inputs calculate the net paycheck effect of changing payroll deductions. Similar to the paycheck calculator above. Take-home Pay Calculator. Daily Wage Calculator. Hourly Paycheck Calculator. Hourly Rate Calculator. Hourly to Salary Calculator. Hourly Wage Calculator. Income Calculator. Salary Calculator. Fringe Benefit Calculator. Payday Loan Calculator. Statutory Redundancy Entitlement Calculator. Salary paycheck calculator. Hourly paycheck calculator. Gross up paycheck calculator. W-4 exemption calculator.	Converts salary to an hourly wage. Converts hourly wages to annual salary. 10 inputs calculate the affect on changing payroll deductions. 13 inputs calculate the affect on changing payroll deductions. Calculate after-tax bonus.	No.	No.
Cost of Raising a Child Calculator	Yes and free.	No.	No.	No.	No.
Don't Delay Your Savings - Pay Debt or Invest?	Yes much better and free.	No.	Compares FVs of two investment plans: Starting now vs. waiting in years.	Should I pay off debt or invest in savings?	No.	No.
Emergency Savings Fund Calculator	Yes, but not free. All they do is tell you to calculate your monthly budget, then have three to six months work in the bank.	No.	Starts by taking a percentage of your family budget, then uses the usual TVM calculator to see how long it will take to save that much.	How much should I set aside for emergencies?	Itemizes emergency fund needs then calculates how long what you have now will last.	No.
Lunch Savings (Future value of reducing expenses)	Yes much better and free.	No.	Calculate the Future value of savings of bringing your lunch to work instead of eating out. Compound interest calculator: Input N, I, tax rates, PMT, and it shows FVs (with slider).	No.	How much money you'll have (FV) if you forego an expense: Input expense, inflation, N, I, tax bracket, and calculate a FV. Compound interest calculator: Input six items (expenses to be reduced), I, N, and it calculates all of the savings FVs.	No.
Checkbook Balancer	No, and no plans to go there.	Checkbook balancer: Input beginning balance, up to 11 checks and 6 deposits, and it calculates your balance.	Checkbook balancer: Input beginning balance, up to 11 checks and 6 deposits, and it calculates your balance.	Checkbook Register.	No.	No.
Credit Assessment	No, and no plans to go there.	No.	Input how many obligations you have, answer some questions, and it calculates a credit score.	No.	No.	No.
Home Budgeting and Spending Calculators	Yes, and free.	Family budget calculator: Input incomes and expense and it calculates surplus or deficit. Detailed Budget Calculator. Car Cost Calculator.	Family budget calculator: Input incomes and expense and it calculates surplus or deficit. It has more inputs and a pie chart than the others.	Yearly Budget Calculator. Family Budget Planner. Personal Budget. Vertex42� Money Manager. Household Budget Worksheet. Personal Monthly Budget Worksheet. Money Management Worksheet for Kids. Wedding Budget Calculator. Christmas Budget Calculator. Expense Tracker. How much am I spending? Home Budget Worksheet. Store Discount Calculator. Percent Off Calculator. Reverse Sales Tax Calculator. Energy Savings Calculator. Sales Tax Calculator. Create a monthly budget. Family budget and cash flow calculator.	How inflation affects family budgeting: Input expenses, N, and I and it calculates FV (inflated budget amounts). Budget calculator that adds up spending. Budget calculator that adds up spending and compares to incomes. Upgrade to a more fuel efficient vehicle? Budget calculator similar to the two above.
Net Worth Calculator and Projector	Yes, but not free.	Input assets and liabilities, and it calculates a current net worth snapshot.	Input assets and liabilities, then sliders that control their rate of growth, then it calculates net worth projections.	Net Worth Calculator. Calculate your net worth. Net Worth Calculator. Balance sheet calculator.	Input family assets and liabilities and it calculates current net worth snapshot. Input family assets and liabilities and it calculates net worth projections.
Life Expectancy and Lifetime Earnings Calculators	Yes, use the IRS Unisex Tables, so there's only one input.	No.	Several inputs calculate life expectancy. The most comprehensive because it takes gender, smoking, drinking, and medical history into account.	Lifetime Earnings Calculator. Lifetime earnings calculator. Life expectancy calculator.	Two inputs, gender and age, calculate life expectancy. How much will I earn in my lifetime?
Should the Spouse Work? (Compares expenses of working to net income)	No, and no plans to go there.	No.	It adds up the expenses incurred by working, then compares that to net income.	No.	It adds up the expenses incurred by working, then compares that to net income. What is my total employee compensation package worth?	No.