Ultimate Financial Calculator
Calculate any unknown for regular & irregular cash flows. Create printable reports with dates for loans or investments. Solve for:
- Present Value (PV)
- Future Value (FV)
- Payment amount, rate or term
- Annualized rate-of-return
- Penny perfect payoff amounts
What is the Ultimate Financial Calculator?
The Ultimate Financial Calculator (UFC) is the most sophisticated, most flexible calculator on AccurateCalculators.com and I think on the entire internet.
If you are someone who needs date accurate time value of money calculations for either regular or irregular cash flows (loans, payments, deposits, withdrawals, investments), this is the calculator you should study and use.
See the tutorials for step-by-step guides.
Questions?
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
Calculator's Features
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
- U.S. 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
*What are 360, 364, 365 and 366 day years?
The days-per-year option impacts interest rate calculations. The calculation divides the nominal annual rate by 360 for equal length periods, 365 for actual length periods, and 366 if a leap year. Advanced calculators, such as the Ultimate Financial Calculator, give the user the ability to select the days-in-year. You will see the impact to interest when there are odd days (that is, irregular periods), or when compounding is set to daily or exact. Many other calculators on this site support this option.
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.
nasia.papanicolaou@gmail.com says:
I lost my work. Only 180 lines got saved. What am I doing wrong?
Karl says:
Please try to add one more row and save it. Can you add it? If so, then I have no idea what might have happened.
If you can’t add more rows, please send me your file and tell me the details for a few rows you want to add, and I’ll take a look.
nasia.papanicolaou@gmail.com says:
I have no problem adding more rows. The first time i saved the file was 82KB. I added all the info and the file became 208KB. You would think that the data is saved but when i open either file all i see is the first 180 lines
Karl says:
1. Are you able to email me the file? (See email address on the contact page.)
2. At the top of the calculator’s webpage, immediately below the menu, what does it say on the left side. Does it show what subscription you have, or does it say something else?
nasia.papanicolaou@gmail.com says:
It says:
“My subscription: Ultimate Financial Calculator (yearly)”
Karl says:
That’s good.
I understand you can add rows to the calculator. What you need to do now (making sure the page says “My subscription: Ultimate Financial Calculator (yearly)” when you do this and not “None”) is load your file, and add a few more rows to it (I guess you are adding payments). Save it again. Then click “New”. Then reload the file, and see if you see the two payments (or rows) you just added.
If you see them, then everything is fine.
If you don’t see them, then send me the file so I can look at its internals to see why there’s a problem.
(Sorry not to have replied sooner.)
pjake says:
Hi, I have finally figured out how to use the Ultimate Financial calculator by watching your videos, but my husband had a mortgage where the young man wanted to pay his mortgage off in 40 years, as he was young he decided to do it, but the calculator says it pays off in 2049 but won’t let me go past 2022 to put in the amortization now that he wants to pay it off. I saved it, I thought yesterday but came out and it was gone. I couldn’t find it anywhere on my computer, finally brought it up and it looked like it was encrypted, I couldn’t read it. Do you know what I may have done wrong? I hit print and was saving it as a PDF, just didn’t work. Thanks.
Karl says:
If you saved the file as a PDF, you need to have a PDF reader to view it. There are many free PDV viewers on the internet. Adobe has one.
Does that answer your question?