Ultimate Financial Calculator
Introduction
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 advanced and flexible calculator on AccurateCalculators.com—possibly the most capable available anywhere online.
Built for professionals, the UFC goes well beyond generating a basic payment schedule. It lets you document, revise, and audit each transaction—whether the terms are fixed, stepped, skipped, or adjusted midstream.
If you need precise, date-sensitive time value of money calculations for irregular or structured cash flows—such as loans, deposits, withdrawals, or investment returns—this is the calculator to master.
Questions?
You’re welcome to post any questions, comments, or concerns at the bottom of this page. We’re here to help. There’s much more below…
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.
Information
Watch on YouTube
Watch on YouTube
The Calculator's Specifications
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 setting affects interest rate calculations. The calculator divides the nominal annual rate by 360, 364, 365, or 366, depending on the selection. Use 365 for actual-length periods and 366 for leap years.
Advanced calculators—such as the Ultimate Financial Calculator—allow you to control the days-in-year value. This setting affects interest totals when there are odd-length periods or when interest is compounded daily or exactly. Most calculators on this site support this feature.
The Ultimate Financial Calculator is designed for professionals who need precision, flexibility, and transparency in every calculation. Whether you're modeling a loan with irregular cash flows, analyzing a refinance scenario, or documenting the details of an owner-financed agreement, the UFC provides the structure and control to match your exact requirements.
It’s not just a calculator—it’s a framework for building trust. Accurate, auditable results help ensure that your proposals, schedules, and analyses hold up under scrutiny. If your work demands clarity and accountability, this is the calculator to keep open on your desktop.
Calculators the Ultimate Financial Calculator Replaces
Because of its flexibility, the Ultimate Financial Calculator is the right solution for 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
Let us know how you’re using the Ultimate Financial Calculator. If you have questions, feel free to post 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.)
nasia.papanicolaou@gmail.com says:
Do I send the file to support@pine-grove.com ?
Karl says:
Yes, that’s fine.
Karl says:
Thank you for sending your file. As we confirmed yesterday, there does not appear to be any data loss.
I’ve released a minor update to the calculator that will load all the missing rows so you can see them. Please try it when you can and confirm the fix.
Depending on when you try it, you may not see the fix. (It takes time for a website’s code changes to propagate around the internet.) Should you not see a fix to the problem, you may need to do a "hard refresh" of of the page to get the most recent version of the code with this change.
A hard refresh reference.
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 PDF viewers on the internet. Adobe has one.
Does that answer your question?
JONESLAWFIRM says:
Why does my Payment Schedule stop at 189 payments when I have it set for 360 payments?
JONESLAWFIRM says:
Never mind, I figured it out.
William says:
I tried to Save my file under Save As but I got an Edge file that says : This XML file does not appear to have any style information associated with it. The document tree is shown below.
Karl says:
Are you trying to open the .XML file in Edge?
If you want to load the data back in the calculator, either drag the file over the box below the calculator that says "Drag & drop your saved files here to load.."
Or click on the button that says "File" and then pick "File open…"
If this doesn’t help, then please provide more details, because I’m not sure I understand your point. The message isn’t something you would (or should) see while actually trying to save a file.
William says:
Ok, that worked. I dragged the Edge file that I saved to my computer to the referenced box and the file loaded. Thank you.
L Phil says:
Trying to calculate if 350k today is enough to have saved by August 2026 to pay for college for four years, assuming each year I make payment of 11k for 9 months and have money invested at 5 percent. I put the first line as deposit but when I generate the schedule, instead of calculating interest from July 2025 – August 26, it deducts and adds interest at the same time for that period, so my balance is 350k as of August 2026.
Karl says:
Are you saying your first row is a deposit of $350,000 on July 30 (or there abouts).
Your second and subsequent rows are for $11,000 starting date ?.
Then you look at the schedule and it nets out the interest? I don’t see how that’s possible if all your cash flows are deposits. I need more details.
One thing, did you see the Interest Options under Settings? I’m not clear enough yet on what you’ve entered to know if an interest option is coming into play.