The Time Value of Money and Discounted Cash Flow Analysis are two cornerstone concepts of investment and financial analysis. Free Investment and Financial Calculator uses these two concepts to develop financial models for analyzing investments. It is known that most financial analysts in the industry developed their own set of models during their course of work over the years. The models usually form the basis of their analysis work and become an extremely important toolkit to them. This financial calculator and tutorial aims to provide the basis of building this toolkit and serve as a stepping stone for financial analysts to building more complex models.