For more complete retirement financial calculations be sure to check out the Lifetime and Retirement planners at this site.

This page only allows selection of values using dropdown lists. If you need to enter values not available from the dropdown lists on this page, try out the second version of this page that allows manual entry of values (not limited to the dropdown values on this page).

Online Calculators

Instructions

Equations

Online Calculators

1. Payment:	If I purchase something how much will the monthly payments be?
Price $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $2,000,000 $3,000,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Monthly Payment
2. Investment:	If I invest a lump sum of money today, how much will it be worth in the future?
PV $100 $500 $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Future Value
3. Investment:	If I save money each month, how much will the investment be worth in the future?
Savings $100 $200 $300 $400 $500 $600 $700 $800 $900 $1000 $1500 $2000 $3000 $4000 $5000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Future Value
4. Investment:	If I need to have a specific amount of money in the future, what lump sum should I invest today?
FV $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Present Value
5. Investment:	If I need to have a specific amount of money in the future, how much should I invest per month starting today?
FV $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $5,000,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Monthly Investment
6. Withdrawal:	If I want my money to last a specified number of years, how much can I withdraw a month?
PV $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $5,000,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Monthly Withdrawal
7. Withdrawal:	If I withdraw a fixed amount per month, how much will be left after a specified number of years?
PV $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $5,000,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40	Withdrawal $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $15,000 $20,000
			Future Value
8. Inflation:	What is the affect of inflation over a specified number of years?
PV $100 $500 $1,000 $5,000 $10,000 $50,000 $100,000 $150,000 $200,000 $300,000 $400,000 $500,000	Rate 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 20.0%	Years 1 2 5 10 15 20 25 30 35 40
			Equivalent Amount

Instructions

The terms or abbreviations used above include:

• FV - Future Value
• PV - Present Value
• Rate - per cent (enter 1, 2, ...)

Equations

The online calculators on this page use end-of-period calculations. Investments (or withdrawals) are taken at the start of the period and calculations provide values at the end of the period.

If you look around the web you'll find that most sites with online calculators don't clarify whether their equations apply to first-of-month or end-of-month transactions. However, most online calculators use the end-of-month calculations. The idea is that to save an amount, an investor will accrue the money over the time period and then place it into the interest-earning account at the end of the period.

Online calculators also differ in how they handle the application of interest rates. Interest rates can be applied yearly, monthly, or continuously. In most online calculators interest rates are applied according to the level at which the investment (or withdrawal) is entered. If a monthly value is entered, then interest rates are applied monthly. If a yearly value is entered, then interest rates are applied yearly. That is the approach use in these online calculators.