Free Online Financial Calculators

Free online financial calulators for money and personal finance.

Site Information

Read About the Current Sale!

Confused? It Makes Sense If You Start at the Home Page

Why We're Better

Product List and Prices

Discounts for Financial Planners and Money Managers

How to Buy Software in General

Site Map


Site Info, History, Ordering Security, Privacy, FAQs

About Getting Investment Software Approved by Broker Dealers and FINRA

Financial Plan Software Support

Financial Plan Integration

About Portfolio Management Software

About Using Monte Carlo with Investment Software

Testimonials from Financial Planning Software Customers

 

Free Downloads and Money Tools

Free Sample Comprehensive Financial Plan

Free Downloads, Investing Tips, and Tutorials

Financial Plan Module Demos

Links to Other Personal Finance Websites

Services

Fee-only Financial Planning and Investment Consulting for Consumers, Investors, and Financial Planners

Building Custom Investment Benchmark Portfolios

Financial Planner Directory

How to Become Your Own RIA

Coaching for Financial Planners

Asset Allocation for 401(k) / 403(b) and Similar Retirement Plans

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

Our Free financial calculators, are here 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 listed almost every free online financial calculator on the web. Then we made better free financial calculators in Excel so you can use them offline.

There are hundreds of websites with free online financial 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 uses VisualCalc.com's investment calculators and MoneyToys uses Wheatworks.

Please keep in mind that Toolsformoney.com 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 use most of the details that will dramatically alter Real World results. But what do you expect for free? Use these simplistic results at your own peril! If you don't like financial peril, you can always get detailed Real World results by paying a few bucks to use Toolsformoney.com's financial calculators instead.

 

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, usually added or subtracted to 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 1 of 10: Basic Financial 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

Product Information

Menu of Retirement Planning Software


Asset Allocation Overview with Our Historical Returns


Asset Allocation Software


Asset Allocation Models with Our Historical Returns


Our Monthly Updated Mutual Fund Picks
 

Financial Plan Tools


Family Budgeting Calculator


Financial Planning Fact Finders


Investment Policy Statement Software


Bond Calculators


Investment Software for Comparing 22 Methods of Investing


Buy Term Life Insurance and Invest the Difference in Mutual Funds vs. Whole Life Insurance Calculator


Real Estate Software


Net Worth Calculator


Life Insurance Software


College Planning Software


Financial Planning eBook


Minimum Required Distribution Calculators


About Investment Risk Tolerance


Contents of a New Fee-Based Prospect Binder
 

Vendors>

Functions

Tools For Money

This site

CalculatorWeb.com

Dinkytown.net

Financial Calculators.com

Same as FinCalc.com

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 you computer. So click on another calculator after the first attempt fails, then they should all work.

Interest.com

Same as Calculators.interest

Moneytoys.com

Same as Wheatworks

VisualCalc.com

Same as FinanceCalc

All go to a main menu where you have to choose the calculator you want again

Basic Time Value of Money Calculator Functions Yes, to all - better and free! Compute how much in compound interest results from an investment over four different compounding periods: Annual, semi-annual, quarterly, and monthly. Same as our Free Financial Calculator #3, but ours has a payment input field too.

 Inflation calculator: Input dollar amount, inflation rate, and time, and it gives future value. Same as our Free Financial Calculator #2, but ours has a payment input field, and a beginning and end mode switch too.

 Investment balance estimator: Input amount, contributions, and time, computes future value, total amount invested, and amount of gain. Same as our Free Financial Calculator #1 & 3, but ours has a beginning and end mode switch too.

 Sliding calculator that shows investment growth, considering time, initial deposit, contributions, growth rate, inflation, and taxes. Same as our Free Financial Calculator #1, but without the sliders and breakdown of simple interest.

 Profit/Loss calculator: Input five cash flow periods and get profit or loss and IRR. Our Free IRR Calculator sheet does way more and is way more accurate.

Loan Calculator: Compound interest calculator: Input PV, I, N, PMT, or FV and it calculates the other values. You can do the same things, and much more, with our Free Time Value of Money Calculators.

Loan calculator: Input N, I, and it either calculates PMT or PV (loan amount). Our Free Monthly Loan Amortizer does all of this, and has two more graphs.

$1 Million calculator: Input PV, PMT, I, Inflation, and it tells when you'll have $1 million. Our Free Financial Calculator #5 does this, and allows future values other than $1M, and allows for fractional ages.

 Compound interest calculator: Input amount, rate, and time, and it calculates future values given three compounding periods. Same as our Free Financial Calculator #3.

 Future value calculator with sliders: Input PV, I, N, PMT, and compounding period, and calculate a future value. Several of our Free Financial Calculators will do this, and much more.

 Compare growth using three different interest rates. The Free Financial Calculators on the Interest Rate Calculators sheet does this and more.

Calculate future value in ten years considering taxes and inflation with sliders. Our Free Financial Calculator #1 does all of this and more.

Compound interest calculator: Input PV, N, PMT, I and it calculates the decline in capital given withdrawals (PMT). Several of our Free Financial Calculators will do this, and much more.

Compound interest calculator: Input FV, PV, I, PMT, and inflation, and it calculates N in months (how many months to reach FV). Several of our Free Financial Calculators will do this, and much more.

Compound interest calculator: Input N, PMT, I, taxes, and inflation, and it calculates PV (present economic value of a human life). Our Free Financial Calculator #6 does this.

Loan & Line Payment: Input percent of loan balance and it loan parameters. Our Free Financial Calculator #7 does all of this and more.

Loan & Line Payment: Input percent of loan balance and it loan parameters. Our Free Financial Calculator #7 does all of this and more.

 How long it takes to double money considering initial balance, interest rate, and tax rate (Rule of 72 calculator. Several of our Free Financial Calculators will do this, and much more.

 $1 Million calculator: Input PV, I, Tax, Inflation, calculates N. Our Free Financial Calculator #5 does this, and allows future values other than $1M, and allows for fractional ages.

Compound interest calculator: Input PV, FV, I, Tax rate, and it calculates N (how long it takes to reach FV). Our Free Financial Calculator #5 does this, and allows future values other than $1M, and allows for fractional ages.

Compound interest calculator: Input N, I, Tax rate, and it calculates PMT needed to reach a savings goal by age. Same as our Free Financial Calculator #8.

Compound interest calculator: Input PV, FV, N, Tax rate, I, I growth rate and it calculates PMT. Our Free Financial Calculator #1 does all of this and more.

Compound interest calculator: Input PV, PMT, Increases in PMT, N, I, Tax rate, and it calculates FV. Our Free Financial Calculator #1 does all of this and more.

Compounding period calculator: Input nominal interest rate, then change compounding periods to see affect on FV. The Free Financial Calculator on the Compounding Converter sheet does this and more.

Compound interest calculator: Input N, PV, PMT, FV, and it calculates I. Our Free IRR Calculator sheet does way more and is way more accurate.

Compound interest calculator: Input PV, PMT, Increases in PMT, N, I, and it calculates the value of the PMTs and I Several of our Free Financial Calculators will do this, and much more..

Inflation calculator: Input current age, retirement age, retirement income, inflation rate, and it calculates the FV of needed retirement income after the impact of inflation. Our Free Financial Calculator #9 does this.

Loan amortization schedule: Input PMT, I, N, and see the matrix of P & I. Our Free Financial Calculator #4 does this.

Nominal to real FV growth after taxes and inflation: Calculates after tax and inflation values of $10,000. Our Free Financial Calculator #1 does this.

Compound interest calculator: Input N, PMT, I, taxes, and inflation, and it calculates PV (present economic value of a human life). Our Free Financial Calculator #6 does this.

Compound interest calculator: Input PV, I, PMT and it calculates when FV turns to zero. Several of our Free Financial Calculators will do this, and much more..

Three-input monthly payment calculator. Allows for extra payments. Same as our Free Financial Calculator #4.

Compound interest calculator: Input PMT, I, N, PV, and it calculates FV. Several of our Free Financial Calculators will do this, and much more.

Compound interest calculator: Input PV, PMT, I, N, compounding periods, then select incremental changes in PMT & I, and it calculates a matrix of FVs. Several of our Free Financial Calculators will do this, and much more. Calculates the PV of lifetime earnings (value of human life) and inflated growth of earnings (Click on "Income growth calculator") Our Free Financial Calculator #6 does this.

A few TVM sliders will calculate FV (Click on "Saving for a goal calculator") Same as our Free Financial Calculator #1

© Copyright 1997-2008 Tools For Money, All Rights Reserved