This loan/savings calculator has the ability to create schedules and make adjustments to them. Specifically, it allows you to: calculate the Initial Principal, Length, Interest Rate, Payment, and Future Value (savings only) for a variety of payment and compounding frequencies create amortization and savings schedules instantly change the starting date of schedules instantly add extra payments at arbitrary intervals to schedules and see how much time and money was saved instantly add withdrawals at arbitrary intervals to savings schedules only and see how much money was lost instantly change the interest of schedules at any time and see how much money was saved or lost instantly remove any of the extra payments, withdrawals, and interest changes