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You can stop searching, because almost all free online debt, loan, and credit calculators are below All of our free financial 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 (a scaled-down version of the RP Retirement Planner) The bond calculator's demo has the most functional free bond yield to maturity calculator ever to be on the web We also think our free personal budget software is the best the web has ever seen for free downloading too We listed almost every free online debt calculator on the web. And when it comes to debt consolidation, any and every tool is helpful. There are hundreds of websites with free online credit card 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. Page 4 of 10: Debt / Credit Card / Loan Calculators Debt Calculators
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