There are hundreds of websites with free online investment 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 financial spreadsheets, 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 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
(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	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, comprehensive, 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, with a YTM calculator 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. Savings Bonds Calculator - How much are your old US saving bonds worth? In put the type of the bond and date of purchase and the calculator will provide you the current value of the bond..	No.
Present Value of Bonds and Yield Calculators	Yes, 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, but not free.	No.	No.	Investment Questionnaire. Investment Questionnaire.	Answers to ten questions will score investor risk tolerance.	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, but not 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 deferred savings calculator. Taxable equivalent yield 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, 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	No. 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. Free online currency converter.	No.
CD Calculator	Yes, but not 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.