Finance

15 tools · Time value of money, NPV/IRR, amortization schedules, and bond math in your browser. Educational calculators—not investment advice. Everyday loan and interest tools also live under Calculators.

Finance Studio will host time-value-of-money, NPV/IRR/XIRR, CAGR, annuity, amortization schedules, and bond calculators with clear sign conventions. Individual studio tools are still shipping; this empty hub links today’s everyday Calculators while the TVM suite lands.

Already available under Calculators (unchanged URLs): compound interest, loan, mortgage, EMI, savings, investment return, ROI, inflation, and break-even. Use those for quick payment and growth estimates. Studio pages will add multi-variable TVM solves, schedules with CSV export, and cash-flow IRR workflows.

These are educational estimators—not investment, lending, or financial advice. Confirm rates, day-count conventions, and tax treatment with a professional or your lender before you act on a number.

All planned Finance Studio math runs locally in the tab. Prefer synthetic figures when modeling real balances on a shared computer.

Questions

Where is the mortgage calculator today?

Use /calculators/mortgage (and loan/EMI siblings). The Finance Studio amortization schedule will add a full table export when it ships.

Will Calculators URLs redirect here?

No. Everyday calculators keep their paths. This hub cross-links them; new TVM/NPV pages live under /finance.

Is this a bank or brokerage product?

No. UtilBloom provides browser calculators for learning and rough estimates only.

Do you store my cash-flow inputs?

Studio calculators are designed to run in the browser without uploading balances to UtilBloom servers.

Finance
Financial Calculator
Full TVM calculator: solve N, I/Y, PV, PMT, or FV like a financial calculator.
Finance
TVM Calculator
Time value of money: solve for N, I/Y, PV, PMT, or FV from the other four.
Finance
NPV Calculator
Net present value of a cash-flow series at a chosen discount rate.
Finance
IRR Calculator
Internal rate of return that zeroes the NPV of a cash-flow series.
Finance
XIRR Calculator
Annualized internal rate of return for dated, irregular cash flows (Actual/365).
Finance
CAGR Calculator
Compound annual growth rate between a beginning and ending value.
Finance
Annuity Calculator
Future value of a series of level payments at a fixed rate.
Finance
Amortization Schedule
Full loan amortization table with principal, interest, and payoff date, plus CSV export.
Finance
Bond Calculator
Bond price from yield (or yield from price), current yield, and duration.
Finance
Interest Conversion Calculator
Convert between nominal (NOM) and effective (EFF) annual rates for a chosen C/Y — BA II Plus ICONV.
Finance
MIRR Calculator
Modified internal rate of return with separate finance and reinvestment rates.
Finance
Payback and NFV Calculator
Payback, discounted payback, NPV, and net future value for a cash-flow series.
Finance
Bond Accrued Interest Calculator
Accrued coupon interest and dirty price with 30/360, ACT/365, ACT/360, or ACT/ACT day counts.
Finance
Depreciation Calculator
Straight-line, sum-of-years-digits, and declining-balance depreciation schedules with CSV export.
Finance
Finance Date Calculator
Days between dates (actual or 30/360), date ± N days, and weekday — BA II Plus DATE worksheet.