Calculate the effective interest rates you pay on your loans and installments and the effective interest rates banks are paying on your investments. Choose the best options when buying and when investing.For this use the application Financial Calculator with Effective Interest Rate.There are nine programs in one application.With them you can calculate how much you are actually paying on your loans and installments and how much you are actually getting for your investments.Calculate fixed income and variable income.Convert Stated Annual Interest Rate to Effective Interest Rate and compare them.This application also has a date calculator and a database where you can save your calculations to consult, compare, analyze and make the best decisions.