Calculators

Interest Theory Calculator — free

Accumulation and discount factors, annuities, and present values for Exam FM interest theory. Verified against known-answer tests.

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Minimum Payment Calculator — free

See what paying only the minimum really costs: enter a balance, APR, and payment and watch the payoff time and interest change. Built for the First 90 Days guide — a $1,200 balance at 24.99% APR paid at $35/month takes 61 months and $925.71 in interest.

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FM Toolkit — Exam FM Calculator Bundle

The Interest Theory Calculator plus the Loan Amortization Calculator (payment, balance after any payment, total interest), as a $19 bundle on Gumroad.

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