Step-by-Step Tutorials
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The tutorials below will guide you through the specified calculation. I recommend right-clicking a link and selecting Open in New Window so you can keep the calculator open while you follow the steps.
Ultimate Financial Calculator for cash flow calculations
To set your preferred currency and date format, click the “$ : MM/DD/YYYY” link in the lower-right corner of any calculator.
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(UFC *.xml, C-Value! *.cv1, and TValue™ *.tv5 files)
Twenty-Five Tutorials
For the Ultimate Financial Calculator™ (UFC)
using the Ultimate Financial Calculator in about 3 minutes.
Watch on YouTube
(concise version)
Watch on YouTube
- Calculate Payment
- Loan or mortgage periodic payment calculation
- Also serves as an introduction to this calculator
- YouTube video tutorial
- Investment Cash Flow
- Calculating the final value of an investment
- Calculate Income From an Investment
- How to calculate the income you can expect from an investment
- Adjustable Rate Mortgage or Loan Calculator
- ARM with interest rate changes on any date you specify
- Calculate a Loan’s Term
- How to solve for an unknown number of payments
- Calculate Loan Amount
- Determine how much you can borrow
- Balloon Payment Calculation
- Calculate the required balloon amount
- Balloon Loan Calculation
- Calculate the periodic payment needed to result in a specified balloon
- Random Extra Principal Payment
- How to prepay principal on any date
- Loan with Series of Extra Principal Payments
- How to calculate a loan or mortgage with recurring extra payments
- Construction Loan Calculator
- Typically a short-term loan with multiple disbursements
- YouTube video tutorial
- Monthly Skipped Payments
- Loan or mortgage with scheduled skipped payments
- Odd-Length First Period
- Interest payment options for an irregular first period
- YouTube video tutorial
- Interest-Only Loan
- Initial series of interest-only payments
- Biweekly Mortgage Payments
- Make half of the monthly payment every two weeks to reduce total interest paid
- U.S. Rule
- No interest charged on interest — interest balance is tracked separately
- How Much Do I Have to Save or Invest?
- State your goal and calculate the periodic investment amount needed to reach it
- Paying for College
- You may have more time than you think
- Multiple investments with multiple, overlapping withdrawals
- Demonstrates solving for an unknown in a complex cash flow scenario
- Future Value Calculation
- How to set up simple or complex cash flows to calculate FV
- Present Value Calculation
- How to discount a simple or complex cash flow to find its PV
- Calculate PV of Fixed Principal + Interest Loan
- Calculate the present value of declining payments
- Demonstrates the cash flow analytics capabilities of this calculator
- Calculate Rate of Return (ROR) on an Annuity
- How to set up an annualized ROR calculation
- Calculate Time It Takes to Reach Investment Goal
- Not available — planned
- Calculate ROI for X Days
- Exact return on investment calculation by number of days
- Calculate Loan Balance — Loan Payoff Calculation
- Enter payments for any amount on the actual payment date — audit the balance due
- Calculate the penny-perfect payoff amount
- Track loan status for owner-financed or seller-financed deals
- YouTube video tutorial
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