Free Online Financial Calculator

This free online financial calculator works just like a basic financial calculator. In addition to the normal calculator arithmetic it can also calculate present value, future value, payments or number of periods.

This Financial Calculator requires SUN's JavaT Plug-in. If you see this message you will need to download SUN's JavaT Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing "Install ActiveX Control".

    You can also get SUN's JavaT Plug-in here: Get the JavaT Plug-in!

    For more information about this Plug-in please visit: SUN's JavaT Plug-in
    For more information these financial calculators please visit: Financial Calculators from KJE Computer Solutions, LLC

Definitions

Compute
Pressing the compute button lets the calculator know that you are going to select a field to compute. For example, if you press the compute button and then press the payment (PMT) button the calculator will compute the value for the PMT. This is the same method used to calculate the number of periods (N), interest rate per period (i%), present value (PV) and future value (FV).

Payment (PMT)
This is the payment per period. To calculate a payment the number of periods (N), interest rate per period (i%) and present value (PV) are used. For example, to calculate the monthly payment for a 5 year, $20,000 loan at an annual rate of 5% you would need to:

  1. Enter 20000 and press the PV button.
  2. Enter 5 and then divide by 12. The result is 4.1666667 and then press the i% button.
  3. Enter 5 and then multiply by 12. The result is 60 and then press the N button.
  4. The FV field should be 0, however even if a value is entered here it will be ignored.
  5. Press the Compute button and then the PMT button. It will then compute your payment of $377.42

Number of Periods (N)
This is the number of periods in the calculation. Make sure this is the number of payments if you are calculating loan values. For example, a 10 year loan with monthly payments has 120 periods. When you calculate the number of periods the interest rate per period (i%), payment (PMT) and present value (PV) are used.

Interest Rate per Period (%1)
This is the interest rate per period. Make sure this is the interest per period. For example, if you have 2 year investment that compounds interest monthly this should be the monthly interest rate. When you calculate the interest rate per period the payment (PMT), number of periods (N) and present value (PV) are used.

Future Value (FV)
This is the future value (FV) of payments (PMT) and any amount saved in the present value (PV). When you calculate the future value the payment (PMT), number of periods (N), interest rate per period (i%) and present value (PV) are used.

Present Value (PV)
This is the present value (PV) of payments (PMT) and any amount saved in the future value (FV). When you calculate the present value the payment (PMT), number of periods (N), interest rate per period (i%) and future value (FV) are used.

Free Online Financial Calculator

If you are looking for a free online financial calculator, you have come to the right place. This calculator is much like your pocket financial calculator, but it can do much more than an arithmetic calculator. For example, besides calculating the basic things, it can also computer the number of periods, monthly payments, future value, present value, and an array of other such things related to your personal finance planning.

If you are facing difficulty in managing your finances, you will find this perfect free online financial calculator a great help. By calculating the different aspects associated with your money, it will put you in a much better position where you can plan on how to get complete control of your finances.

Now that you have this free calculating tool, saving money is no more going to be a difficult thing to do. It will help you decide what to do with the extra money that you have or how to get the extra money that you need. In every financial planning, you will find a wide array of options to choose from. It is now up to you to find out which choice makes sense to you. The free online financial calculator will help you make a thorough comparison so you could make an informed decision. 

Whether it is about managing your credit card bills, secured and unsecured debts, mortgage, car loan, insurance, or other items of your personal finance, the calculator will tell you where exactly you stand. Always remember, the more informed you are the much better control you will have on your finances. The free online financial calculator will help you plan your financial future. The best thing is that it is absolutely free and easy to use and provides fast and accurate results. 


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.