QuikCalc is a powerful, user friendly tool that allows you to create flexible amortization schedules that go far beyond the static tables available from most other programs. As well, track the most complex of loans to the penny with the Loan Manager!

Need non-standard schedules? The Amortization Schedules Plus! feature allows you to add any number of extra payments to a schedule, skip payments plus add weekly, monthly or yearly lump sums starting on or after any date. No longer are you restricted to static tables that generate a schedule that offers no flexibility.
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Want to save money? With QuikCalc you can see immediately the impact that extra payments or an increased regular payment can have to the bottom line including infrequent or regularly scheduled lump sums.

Like to play "what if" with your mortgage or loan? Amortization Schedules Plus! is the ultimate tool for this. You can change any parameter affecting your loan including payment amounts and frequencies, interest rates and compounding methods as well as payment types including interest only loans.

Need to generate schedules for interest only or graduated loans? No problem, QuikCalc has eleven different payment types including normal, interest only (static and adjusting), increasing (by fixed amount or percentage), percentage of balance, and no payment.

Have you lent money and they sometimes pay late? If a customer is late in paying, QuikCalc allows you to track the extra interest due and assess late fees and penalties. For U.S. Rule (Simple Interest) loans, QuikCalc will also track the interest escrow for you.

Detailed and summary reports are at your fingertips. Generate reports on demand that include annual summaries based upon any corporate year end. If there is a dispute, you have the numbers to back up what you say is owed. You choose the level of detail and the dates between which the report will be generated, then print, save as PDF, or email the PDF.

Track the most complex of loans. QuikCalc not only can track standard loans, it can also track the most complex of loans including ARM (Adjustable Rate Mortgages) and loans where the terms change including rates and payment types. An example could be a loan that begins as an Interest Only loan then switches after five years to a regular payment loan.

Do you need multiple Day Count Conventions? Most amortization programs only generate schedules for 30/360. We include 14 different Day Count Conventions including Actual/Actual that cover almost every type of loan in existence.

Have you borrowed or lent money? If you have, and you've had problems agreeing on what is owed, payments are occasionally late or early, or extra payments are sometimes made, you can know exactly what is owed so that you are informed and in control. Generate your own reports to compare with as much detail as you need.

Do your payments include more than just principal and interest? If so, QuikCalc can track this for you too including tax and insurance escrow accounts. You can even add your own items to track, specify how frequently they occur, and what the amounts are (even as a percentage of many different variables).

Want to create "what if" scenarios? See the effect of:

•	Compatible with US & Canadian mortgages, U.S. Rule (Simple Interest) loans, car loans, business loans, debt-consolidation loans, student loans and more
•	Powerful Loan Manager tracks actual loans including the varying terms, interest rates and payments made and to be made
•	Flexible Planning with Amortization Schedules Plus! Allows you to see the effect of adding, skipping or changing any payment. Includes weekly, monthly and annual lump-sum payments starting in any year
•	See the effect of skipping, changing or adding any number of payments
•	See the effect of negative amortization
•	Handles infrequent and irregular payment amounts
•	Calculate a payout amount for the loan as of a specific date using the Loan Manager
•	Solve for missing number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period
•	Loan Terms Tracking
•	Interest Rate Tracking
•	Payment Tracking and Projections including insurance/tax/interest escrow plus assess late fees/penalties
•	Dynamic Payment Grids including five different grid configurations allowing you to solve for most missing variables
•	Associate a name, address and phone number with your loans
•	Dozens of Easy to Use Calculators
•	Detailed Reports including annual summaries. Allows you to specify a date range when printing
•	Save your grids and schedules for future use
•	Create schedules and loans directly from the Solve for Missing Number calculator
•	Create loans directly from the Amortization Schedule window
•	Keep notes and track check numbers on individual payments

•	Add any number of extra payments including negative amounts that get added to the outstanding balance (sometimes known as draws)
•	Skip or miss payments
•	Record late or early payments
•	Assess late penalties/fees
•	Track Insurance/Tax/Interest Escrow
•	Create loans with different payment types including interest only
•	Use various Day Count Conventions including 30/360 and Actual/Actual
•	Use different compounding methods including U.S. Rule (Simple Interest) and Canadian mortgages
•	Track the actual payment amount and payment date
•	Switch to accelerated payments including bi-weekly and weekly accelerated loans
•	Track varying interest rates by date range
•	Add your own custom one-time or repeating charges based upon a fixed amount or percentage of a parameter such as outstanding balance
•	Calculate loan payout amounts based upon a date you supply then optionally change the schedule to reflect this payout
•	Record check numbers, payment descriptions and notes on each payment
•	And much more!

Loan Terms Tracking

Track the various terms of your loan over the entire amortization period. You can even project forward different terms when planning mortgage renewal negotiations. Allows you to change everything about the payment terms including the day count convention, payment type and compounding type.
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Interest Rate Tracking

Track the different interest rates by date range. This is particularly useful for variable rate or ARM loans.

Payment Tracking and Projection

QuikCalc will project all of your payments including what portion is principal and what portion is interest. Mark the payments as paid to track the exact status of your loan or change the projected amounts. Instantly see what interest rates and terms were in affect for any payment. Quickly see the affect of adding any number of extra payments, overriding any payment or adding lump sum payments. This module also calculates initial interest payments at the start of traditional mortgages and balloon payments. You can also track various escrow accounts and assess late fees and penalties.
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Flexible Amortization Schedules

•	Create and save any number of amortization schedules
•	Allows you to set the loan amount, interest rate, payment frequency (including accelerated payments) and interest compounding frequency
•	Includes principal/interest breakdowns along with running totals of interest paid and principal owing
•	Change any scheduled payment amount
•	Add any number of extra payments
•	Skip scheduled payments
•	Any payment frequency including monthly, bi-weekly and weekly
•	Allows annual, monthly or weekly lump-sum payments starting on any date.
•	Allows you to print your schedule in 5 different formats and specify a date range for the years to print
•	Different compounding methods include U.S. Rule (Simple Interest) and Canadian mortgages
•	Specify a start date for the schedule or use generic time references
•	Allows any of 14 different Day Count Conventions including 30/360, Actual/Actual, 30/365 and Actual/360
•	Before and After display shows the effect of the latest changes
•	Undo and Redo buttons allow you to go back and forth through your calculation changes
•	Compare button allows you to compare the existing schedule with another saved schedule
•	Create schedules for various different payment types including interest only, fixed principal + interest, Increment by dollar (Dollar Step) and Increment by Percentage (Percent Step)
•	Handles negative amortization
•	Annual reports can be summarized based upon any fiscal year end showing interest and principal paid during the year
•	Create Loan Manager loans based upon your schedule with the click of a button to save time
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Solve for Missing Number Calculator

The Solve for Missing Number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period. Simply enter what you know and click on the calculator icon beside the parameter you don't know and QuikCalc will immediately solve for the missing number. Once finished, you can create a schedule or loan using the calculated parameters with the click of a button.
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Dynamic Payment Grids

The Payment Grids tool allows you to generate grids in five different configurations showing payment and loan amounts based upon various variables along the X and Y axis of the chart. For example, a payment grid with the loan amount on the left and the interest rate across the top. This tool replaces the old mortgage table books that are not flexible enough for today's wide array of loan types.

•	Change any parameter and instantly see the results.
•	Five different grid configurations allow you to solve for most missing parameters.
•	Print them out for when you go to the bank or meet with your real estate agent.
•	Open any number of these windows and compare side-by-side different payment frequencies, interest rates, compounding, periods and loan amounts.
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Dozens of Easy to Use Calculators

We've included dozens of powerful financial calculators that allow you to quickly calculate many common questions such as Gross Debt Service Ratio and Total Debt Service Ratio that are used to determine what a bank will lend you. We have also included financial calculators that will allow you do almost any calculation you will ever need. Some of the calculators we provide:

•	Down Payment Amount
•	Gross Debt Service Ratio
•	Gross Debt Service Ratio Maximum Amount
•	House Price from Current Rent
•	House Price from Payment Amount
•	Interest Amount
•	Maximum Loan
•	Maximum Payment
•	Mortgage Payment
•	Principal Amount
•	Rent Payments Total
•	Time to Pay Off Accelerated Loan
•	Total Debt Service Ratio
•	Total Debt Service Ratio Maximum Amount
•	Total Interest Paid
•	Total Paid for Home
•	Plus many more!

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Detailed Reports

Detailed reports are available that will allow you to see on paper varying levels of detail on the loans, schedules or grids stored in the system. With most, you can specify a date range to print allowing you to see schedules for a specific term or period. As well, annual summary reports allow you to summarize based upon any year end you want, not just the calendar year end. This is especially important for business with corporate year ends other than December 31. You can also save your reports as a PDF file, and even email your reports in PDF format using your MAPI compliant email program (like Microsoft Outlook). You can also save these reports in HTML format which can then be emailed or included in other products such as Microsoft Word and Excel. Here are just some of the reports:

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This latest version of QuikCalc was designed with one thing in mind: simplicity. We have streamlined how you do your work. Rather than tell you that you need to recalculate your report before you view a report, QuikCalc now just does it. Rather than give you three options of how to recalculate, leaving you to figure out which one you need, QuikCalc just does it for you. Rather than two types of schedules windows, now there's only one--everyone gets the powerful Amortization Schedules Plus! If you've used previous versions of QuikCalc, try the latest version now, we think you'll be impressed. And if you haven't, welcome to the end of your search. Here are just a few of the improvements we've made:

• Save your reports as PDF's then email them from within QuikCalc.
• Customize your reports, including shading, borders, data filters, and more. You can even change the report title!
• Save your report customizations individually by report type, so the next time you view that type of report, it is already formatted the way you want.
• The Home Edition now includes the powerful Amortization Schedules Plus! feature. The Plus! Edition has been dropped now that the Home Edition includes all of its features.
• The Office Edition now allows you to move your database.
• The Premium Edition has been replaced with the Professional Edition, which now is equivalent to the old single-user Office Edition. It now includes all of the Client Manager features of the Office Edition.
• The Office Edition is now specifically a multi-user version, that allows you to share your database across a network with other users. It now comes with licenses for two users.
• We've added charts to the available reports.
• There is now a Recently Accessed option that shows you the last 9 records you've accessed for quick access.
• The interface has been simplified. Unnecessary, redundant menu items and toolbars have been removed.
• The program has been optimized to be faster and operate in less memory.
• Fully tested on Windows 2000, 2003 Server, XP, Vista and the new Windows 7.
• Plus dozens of other enhancements requested by our users!