1 Choose a calculator that meets your specific needs. Online calculators are plentiful and generally simpler to use than portable devices. There are online calculators that cover virtually all financial applications, including:
Mortgage: loan payments, APRs, and amortization schedules
Retirement: IRA conversions, Social Security benefits, and pension payouts
Personal finance: costs of child rearing, budgeting, or saving for a child's college education
Insurance: term insurance and annuities
2 Enter the values as indicated on the calculator form.
3 Hit the calculate button to generate the result.