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.
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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)
- 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
- 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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kathy says:
Hi, this is a great site & tool. Thank you very much for making this available. Can you please let me know if there is a way to set the amortization term?
Karl says:
Hi, thank you!
If you set the “# Periods,” that sets the term. Or is that not what you meant?
Karl says:
For what you want to do, please see this pay-off calculator and tutorial.
Kathy says:
Thank you Karl. This worked out fantastic! Appreciate your calculators & quick assistance
Karl says:
You’re welcome! Glad to hear that it is useful for you.
STeve says:
is there an option for missed payments that increments the new interest and principal amounts automatically
or a way to input the actual payment amount received each month?
my issue is we have 8 missed payments due to me and need to see the new schedule
Karl says:
Yes. Please use this loan payoff calculator.
It allows the user to record payments as of any date and change interest rates on any date.
Mike Cleveland says:
Greetings, is there a way to see monthly balance of savings, starting with $10,000.00 and earning 20% per year for 3 years with monthly compounding?
Thank you.
Karl says:
Hello, please give this Savings Calculator a try. It should quickly give you what you need. If not, please let me know and I’ll make other suggestions.
Fusae says:
I love your calculator and I have been using it for a while but today when I clicked “schedule” it did not respond for some reason 🙁
Can you look at it please because your calculator is the best on the web!
Karl says:
I’m glad you like the calculator, and I’m sorry you are now having a problem.
Unfortunately, I don’t experience the same thing. That is, I’m able to see the schedule. Can you please try it from this page?.
Also, perhaps you can close your browser and try again? Or try a different browser?
If you still have a problem, please save your inputs to a file and send me the file. (Email address is on the "Contact" page.) I’ll take a look. Perhaps there’s a bug and your particular settings are impacted by it.
Terry Erwin says:
I am trying to print a report and each time I try to go to Amortization to export to Excel, I get a message that the dates are out of order, do I want to sort the cash flows?- the dates are NOT out of order but it won’t allow me to go further unless I agree to do it. When I click yes, to sort that, on the amortization it has entered Loan Amount over and over, pretty much every other line. I have to go back and delete those lines. I am sure there is something simple I am missing, can you please help me? I love this program, just can’t find what I need to groom my reports like I need.
Karl says:
I’m lost. Where do you see "Export to Excel"?
The way you print a schedule is click on the "Schedule" button. You can then either "Skip the title page" or "Continue" after you have provided the details you want for the title page.
The schedule will open in a window. There, at the bottom of the window, you should see a "Print" button.
If this is not working for you, please let me know more details. What device (desktop/mobile) and browser are you using? Can you send me your inputs in a saved file?
I would appreciate it if this works for you that you let me know where the confusion was. I want to clarify it for others. Thanks.
Karl says:
Also, I need to check, but I think you might be getting the date out of order message if you’ve entered a row with a number of payments cause an overlap in dates with the next row.
For example, say row 2 has 12 monthly payments starting January 1, 2023.
Then if you enter in row 3, an extra payment with a date of say June 1, 2023, then I think the calculator might see these as out of order. You can enter 5 payments, then 1 extra payment followed by 7 payments.
However, to fix the out of order issue, please try clicking on the "Expand" button and then the "Collapse" button. I think that will fix the problem.
Again, please let me know.
djmorris52 says:
I have input my data into the ultimate financial calculator page. I see no option to print. The tutorial shows an option under “schedule” but when I click schedule, the screen does not change. When I use the save as…option, my download prints a page that begins “This XML file does not appear to have any style information associated with it.” What am I missing?
Karl says:
If you click on the "Schedule" button, another window does not open? You should see a window that asks you for details that can be included on a title page to the printed report.
If you don’t see that window, do you see any sort of instructional message or error message below the calculator? If so, what does it say?
shermanterry765@gmail.com says:
I signed up for the wrong program. how do I change it?
Karl says:
Please purchase a subscription to UFC, and I’ll refund in full the cost of today’s SolveIT! subscription.
sscott8315 says:
I completed a Payment Schedule and it worked exactly as it should have and is very professional…my problem is that I can’t seem to “save” the schedule. What am I doing wrong?
Karl says:
I’m glad you are able to calculate the schedule you need.
I’m not sure why you can’t save the inputs.
Are you clicking on the "File" button and then "Save as…"?
Then the file that is created, you can drag and drop to the box below the calculator when you want to resume later.
Please let me know.
alaberge says:
I’m new at this. I just signed up as a subscriber. I’m looking to do an amortization schedule, which I’ve always done for free before. Now it seems I’m limited to “The Ultimate Fiancial Calculator.” How do I use this to do an amortization schedule? Thanks.
Karl says:
Tutorial #1 introduces users to creating an amortization schedule using the UFC.
But, you are not limited to the UFC, per se. You are limited to only the UFC because that’s what you subscribed to.
Perhaps you are use to using this amortization schedule? If so, in that case, you would have to subscribe to SolveIT! or the SolveIT! bundle if you also want to use the UFC.
alaberge says:
Thanks Karl. You surmised correctly, appreciate the clarification!