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#### Ultimate Calculators is a collection of free financial calculators designed for home owners,

investors, tax payers, students, professors, professionals and small business owners.

Clink on the links below to go directly to the calculator.

### Loan Calculators

Loan Calculator | Loan Application Calculator

### Mortgage Calculators

Mortgage Calculator | Mortgage Comparison Calculator | Basement Suite Calculator | Basement Suite Comparison Calculator | Home Equity Calculator

### Investment Property Calculators

Income Property Calculator | Basement Suite Calculator | Basement Suite Comparison Calculator

### Tax Calculators

USA Tax Calculator | Canadian Tax Calculator

### Investing Calculators

Retirement Income Calculator | RRSP Calculator | 401k Calculator

### Capital Budgeting Calculators

Cash Flow | Net Present Value Calculator | Internal Rate of Return Calculator| Equivalent Annual Annuity Calculator| Profitabilty Index Calculator | Break Even

Quick Capital Budgeting | USA Capital Budgeting | Canada Capital Budgeting

### Time Value of Money Calculators

Simple Interest Calculator | Loans | Compound Interest Calculator | Future Value of Savings Calculator | Present Value of Annuity Calculator

Future Value of Loan Balance Calculator | Future Value of Annuity Calculator| Present Value of Annuity Due Calculator | Future Value of Annuity Due Calculator | Continuous Compounding Calculator | Perpertuity Calculator | Effective Annual Rate Calculator | Periodic Interest Rate Calculator

### Business Formulas Calculators

Total Inventory Cost Calculator | Economic Order Quantity Calculator | Cost of Missing a Discount Calculator | External Funding Calculator

### Valuation Calculators

Yield to Maturity Calculator| Capital Asset Pricing Model | (Gordon) Constant Growth Model | Total Return Per Period Calculator

Bond Present Value Calculator | Bond Current Yield Calculator | Dividend Yield Calculator | Annualized Yield on a Discounted Security

### Weighted Averace Cost of Capital (WACC) Calculators

### Financial Statements

#### Finance Calculator

**Our Financial Calculator**

At Ultimate Calculators, we have designed our online financial calculator to perform many financial calculations easily. Each individual financial calculator was designed to help you not only calculate, but to understand the financial concept behind each calculation.

You will find many different types of finance calculators on this website. You can use the drop down menu at the top to select the financial calculator that you are looking for, or you can return to this home page to browse all of the finance calculators that we have to offer.

Each financial calculator will provide the user with the most valuable information needed. Each student finance calculator will provide you with easy to understand, important information regarding the financial calculations that occur, as well as supplemental information to increase your understanding of each mathematical concept. Businesses use financial calculators to make important decisions, and it is important to become comfortable with finance calculations. Each personal finance calculator will provide in depth reports, designed to provide comprehensive information used to make important financial decisions.

**Why we made this financial calculator**

While tutoring fellow students in finance class I attempted to find online financial calculators that would help me to illustrate complex financial concepts, so as to help these students understand how to use financial calculators to make decisions in business. I found that there was no one website that provided high value financial calculators in a way that offered any type of enhanced information. When making important business decision, managers need to be able to do sensitivity analysis, in order to understand the risks inherent in their decision making process. That is why most of our calculators provide multiple versions of each formula, isolating each variable so as to allow the user to manipulate each calculation so suite their needs.

An online finance calculator can be a useful tool to perform calculations, but when done right, it can help the user understand how the calculation occurs. Every financial formula is a relationship between factors that affect the result. By understanding the power of each factor, and exactly how changes will affect the outcome, users can make better financial decisions.

We felt that it was important to create such a site, full of online finance calculators that empower the user to understand the results. By providing the user with the information needed to understand what is happening in each financial calculator, the user gains the power to look for problems, as well as opportunities. By isolating each variable in the formulas, the user can test the effects of changes and optimize their decision.

Although our online finance calculators can be used to simply speed up calculations, they offer the user the opportunity to improve their competencies, and master financial decision making.

**What makes a great financial calculator?**

This question was critical when designing our website. There are many websites that have finance calculators, but none are offered in a way that helps the user to understand what they are doing when they use these calculators. When trying to use other websites, we really approached our use as we would expect our users to behave. As students, we looked for finance calculators that would enhance our learning experience, and help us to improve our understanding of business finances. As home owners, we approached other online finance calculators looking for rich and detailed information to help us make important decisions. As individuals, we looked to other online financial calculators to help us find important tax information, and develop insight into personal financial strategies to improve our finances.

After completing our research into what makes a great financial calculator, we came to the conclusion that the actual finance calculators must be excellent, but that these alone are not sufficient to provide the value that people are looking for when they use a financial calculator. We designed each calculator with our users in mind, and crafted the layout and information in such a way as to provide insight into the mathematical concepts. We wanted each user to understand the effects of each result the calculated with our financial calculators.

**Why our finance calculator is the best online finance calculator**?

Our online finance calculator delivers the most value to each user. This is exactly why you will find our online finance calculators to be the best on the internet.

We are dedicated to excellence, and to helping our users learn and become excellent. Each financial calculation serves a purpose. The results of each finance calculator are used to make important financial decisions. By remembering this important element, we have been able to design the leading website on the internet for financial decision making.

We react and engage with our user base. We follow up on suggestions and update according to requests. We understand that we can’t figure out exactly what each person is looking for, but when we a good suggestion is made, it is always acted upon. We are on a mission to help people make great financial decisions, and we will not stop until everyone who is looking for a great financial calculator finds our site.

**Who our financial calculators are for?**

**Student Finance Calculator**

Many of our financial calculators are designed for students, in order to help them perform complex calculations as well as understand the mathematical concepts that apply to each calculation. We offer a comprehensive WACC calculator, Capital Budgeting Calculators for both Canada and the US, and a Financial Statement Calculator to help students analyze financial statements using ratio analysis, common size statement, and trend analysis.

We also have a large selection of important student finance calculators to be used for time value of money, business optimization, and valuation calculation. Many of these calculators will isolate each variable of each formula to allow students to test the mathematical relationships inherent in each finance calculator. We offer definitions, common language descriptions, in depth concept review, and each iteration of most formulas, all on the same page as the financial calculator itself.

Each financial calculator is designed to replace a handheld finance calculator. When using a handheld finance calculator, users do not benefit from any information other than the actual result. Variables disappear as they are entered, and there is no communication of the calculated formula or the steps in the calculation. Students get a result from using a handheld finance calculator, but do not get any other value. This is the benefit that we offer to students, not only do you get the result, but you get enhanced information to improve your understanding. Our online finance calculators help you learn as you use them.

**Personal Finance Calculator**

There is a lot to understand in the world of personal finance. We all want to own a house, we all need to retire, and we all need to pay our taxes. Dealing with each one of these decisions can be confusing, and it is difficult to tell a financial strategy from a bad one. This is where our personal finance calculators come in. Each personal finance calculator is designed to provide valuable insight into the long term effect of each financial decision. Our loan repayment calculator will help predict the effects of making any type of loan repayment, in order to allow you to choose the way that works best for you. The mortgage repayment calculator will allow you to estimate your amortization, interest cost, and cash flow over the life of your mortgage as you use your repayment options to pay down your mortgage. The tax calculator will help you understand the estimated tax bill, as well as insight into the savings you can receive from saving for your retirement with a tax sheltered investment.

Personal financial decisions can make the difference between a happy and successful life and a regretful one. There is much misinformation about personal finances out there, and there is always someone who will give you bad advice. Use our personal finance calculators to test each strategy, and master your financial success.

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