Financial calculators

1 Simple interest Interest on the initial amount only — short-term loans, deposits and some bonds. 2 Compound interest Interest on interest — the basic tool for long-term investments and savings. 3 Inflation calculator How inflation eats away the purchasing power of money — and what your real return is. 4 Internal rate of return (IRR) The real annual return of an investment, taking into account when the money flows in and out. 5 XIRR (extended internal rate of return) The more precise IRR — it takes into account the exact date of each deposit or withdrawal. 6 Yield to maturity (YTM) The total annual return of a bond bought at the current price and held to maturity. 7 Effective annual rate (EAR) The real annual return, accounting for how often interest is capitalized. 8 Compound annual growth rate (CAGR) The constant annual rate at which an investment grew over a given period. 9 Net present value (NPV) Today's value of all future cash flows, minus the initial investment. 10 Future value of regular contributions How much you will accumulate with a starting amount, regular contributions and compound interest. 11 Payment calculator (PMT) The regular payment that repays a given amount over a chosen term. 12 Loan calculator with amortization schedule Monthly annuity payment, total interest and a breakdown of every payment.