Ultimate Financial Calculator

Invest or pay any amount, on any date, at any rate
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The Ultimate Financial Calculator (UFC) is the most sophisticated, most flexible calculator on AccurateCalculators.com and I think on the entire internet.

See the tutorials for step-by-step instructions.

If you are someone who needs date accurate results with either regular or irregular cash flows (loans, payments, deposits, withdrawals, investments), this is the calculator you should study and use.


Feel free to post your questions, comments or concerns at the bottom of this page. Remember, I'm here to help. There's a lot more below

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Recent changes and enhancements

  • Sept. 2023: Export any schedule's data to Excel/xlsx file. Click on "Schedule" then "Continue" past the title page.
  • Nov. 2023: Save schedule's data to Word/docx file. Saving to a .docx gives you the opportunity to alter the style of the schedule, to add notes, or incorporate the schedule into a report.
  • User inputs are automatically sorted prior to file save and calculation. This fixes the issue where the "Unknown" would not calculate due to overlaping dates in different cash flow series unless user had clicked the "Expand" button.

Calculator's Features

See these tutorials for step-by-step instructions.

Solve for any unknown

  • Payment or loan amount
  • Deposit or withdrawal
  • Yields: APR, APY or IRR
  • Balance as of a specific date
  • Present value (PV)
  • Future value (FV)
  • Balloon payment amount
  • Payment required to reach a specific balloon
  • Number of payments
  • Discounted values
  • Remaining balance
  • Deposit required

Any type of calculation method

  • Normal amortization or investment
  • Rule-of-78s
  • Canadian methods
  • US Rule — simple interest
  • Supports 360, 364, 365 and 366 day years
  • Exact day or periodic interest calculations

Scheduled (but adjustable) Payment Frequencies

  • Daily
  • Weekly
  • Bi-weekly
  • Twice monthly (Half-month)
  • Every 4 weeks
  • Monthly
  • Bi-monthly (every two months)
  • Quarterly
  • Every 4 months
  • Semi-annual
  • Annual

Flexible Reports & Schedules

  • Amortization & investment schedules
  • Select a fiscal year end
  • Reg. Z APR disclosure calculation
  • Track or keep an "Open Balance"
  • Track escrow payments and disbursements

Handles any type of cash flow

  • Normal
  • Interest-only
  • Enter your own payment amount
  • Negative amortization
  • Skipped payments or deposits
  • Fixed principal + interest
  • Percent step amounts
  • Dollar step amounts
  • Balloon payments
  • Extra payments — principal only
  • Payments to interest
  • Cash flow amounts set to any random date

Compounding Frequencies

  • Exact Day / Simple
  • Daily compounding
  • Weekly
  • Bi-weekly
  • Twice Monthly (Half-month)
  • Every 4 Weeks
  • Monthly
  • Bi-monthly (every two months)
  • Quarterly
  • Every 4 Months
  • Semi-annual
  • Annual
  • Continuous
  • Change the frequency of compounding during a cash flow
  • No compounding option when rate changes

Calculators the Ultimate Financial Calculator Replaces

With this calculator's flexibility, it will meet the needs of anyone searching for:

  • loan repayment calculator
  • loan payoff calculator
  • mortgage payoff calculator
  • repayment calculator
  • student loan repayment calculator
  • home loan repayment calculator
  • car loan repayment calculator
  • debt payoff calculator
  • early mortgage payoff calculator
  • debt repayment calculator
  • individual or specialty TVM calculators

Tell us how you use the Ultimate Financial Calculator. And naturally, if you have any questions, feel free to ask them below.

192 Comments on “Ultimate Financial Calculator”

Join the conversation. Tell me what you think.
  • hello, do you offer an API for this calculator? Please let me know as this is something i would like to add to my site if possible.

  • I am trying to do a very simple amortization schedule for an October 4, 2023 $6,144.89 loan with no interest and fixed payments of $500.00 beginning November 4, 2023 and continuing until paid. I should be able to do this on two lines – one with the loan amount and one with the payment series by entering the loan amount and the number of frequencies as “Unknown”. However, when I hit calculate, it creates a payment date one month prior to the loan date. Can you help resolve this issue? Thanks.

    • I agree with what you say. That is a problem. I made a change last week and introduced an auto sort feature when the user clicks calculate. That "broke" the calculator when the number of periods is unknown.

      There is a workaround so that you can get an accurate schedule.

      Notice that even though the payment is one month before the loan, the number of payments is calculated. Using your example the unknown value is 13.

      Using that information, set up the calculation again, but rather than entering "unknown" for the #, enter the calculated result from the first calculation i.e. 13.

      You can then click on the "Schedule" button to get an accurate payment schedule.

      I should be able to get this fixed sometime next week.

    • I just noticed you said "no interest". I had my rate set to 6.5%. With a 0% loan, the number of payments calculated will be 12, not 13.

    • The problem Floyd reported was fixed as of Sept. 29, 2023.

  • I need a loan calculator a loan calculator. It needs to take a sum, put the term and the interest trate, I need to be able to get a pay schedual. now this does all that but I need to add in an eliment. what if the first 12 or 24 months were “holiday” so at the end the of that 12 months or 24, the total interest would be due then the next month is a normal payment. Also one more thing to ad, some loans are interest plus principal, others are just intrest…

    • Everything you need to do is doable with the UFC (Ultimate Financial Calculator).

      Have you seen these 25 tutorials?

      #13 is about odd length first periods. You’ll want to enter line 1 as the loan amount and then the 2nd line will be 12 or 24 months later. Set long period interest to with first.

      #14 is about interest-only loans and interest-only series.

      This should get you started. If you have other questions, please ask.

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