The banking checks and time value of money
toolbox.
Check an IBAN, then solve any one unknown in a loan, savings or annuity problem.
Keep this toolbox for offline use
12 useful places to start.
An IBAN that passes the check can still belong to no account. The time-value calculator illustrates constant rates and payments; it is not a lender’s quote or financial advice.
IBAN validator and check digit calculator
Check an IBAN against the SWIFT registry: length, character types, mod 97 check digits and its bank and branch parts. Or calculate check digits for a BBAN.
TVM calculator (time value of money)
Solve for any one of the number of payments, interest rate, present value, payment or future value, with payment timing, compounding, a balance chart and a downloadable schedule.
Loan repayment calculator
Estimate fixed monthly payments and download an amortisation schedule.
Loan APR calculator
Work out the APR of a loan including upfront and monthly fees, in both UK/EU and US conventions.
Compound interest calculator
Explore a savings balance with regular contributions and compounding.
Effective annual rate calculator
Compare a nominal annual rate with its compounded annual equivalent.
Savings goal calculator
Work out a monthly contribution or time to reach a savings target.
IRR calculator
Find the internal rate of return of evenly spaced cash flows, including multiple-rate cases.
XIRR calculator for dated cash flows
Find the annual return of irregularly dated payments, using the same convention as Excel.
Bond price and yield to maturity calculator
Find a bond’s price from its yield, or its yield from its price, with duration and convexity.
Doubling time calculator
Find how long growth takes to double (or triple), and compare the exact answer with the rule of 72.
Loan overpayment calculator
Compare an additional monthly payment with a fixed-rate repayment schedule.
A few things you
can tick off.
- Check an IBAN before saving a payee
- Solve for the rate, payment or number of periods
- Compare payments at the start and end of each period
- Find the rate that makes a series of cash flows break even