Make use of our best time calculator tool that helps you to calculate the time by adding, multiplying, subtracting, and dividing easily in a fraction of seconds. For this, all you need to do is give the inputs in the fields of input and then click on the calculate button. So that you will get the answer instantaneously.

**Time Tools:** Feeling difficult to add, subtract, multiply and divide the time? If yes, look into our calculator tool which helps you to calculate easily in microseconds. And also we have explained the complete concept like steps, formulas, examples, how to calculate time manually, and many more. Read on to learn!

Look at the detailed step-by-step procedure to calculate the monthly payments easily and quickly. Go through the below steps carefully.

- Let us know the details of a mortgage amount, interest rate, and mortgage terms.
- After that apply the formula and keep all the details in the formula.
- Then simplify it and you will get the monthly payments.

Now we will look into the terms that are used in the Time Tools.

**Mortgage Amount: **The amount you need to spend on a mortgage. Original principal mortgage amount when calculating the current mortgage.

**Mortgage Term: **The time left when calculating the given mortgage.

**Interest Rate: **Annual interest rate on the loan. This interest rate is charged differently.

**Monthly Payment: **The amount that you need to pay on a monthly basis towards interest and principal.

Now, look into the formula, that you need to calculate the Time Differences.

**PMT = PV i(1+i) ^{n}/ (1+i)^{n} - 1**

Where,

PMT is the mortgage payment amount.

PV is the present value.

n is the number of mortgage payments.

i is the period interest rate.

**Example:**

**Question: **Suppose you wish to acquire a car that costs $34550. And to make the down payment of $1000 along with the interest of 2% on 3 years with a $15500 loan.

**Solution:**

Given, Interest = 2%, Mortgage amount = $34550, Mortgage term = 3 years.

As we know the Time Difference formula,

**PMT = PV i(1+i) ^{n}/ (1+i)^{n} - 1**

**= **[$15500 * (0.02/12)( 1+ 0.02/12)^{36}] / [( 1+ 0.02/12)^{36} - 1]

= [$15500 * (0.001)( 1+ 0.001)^{36}] / [( 1+ 0.001)^{36} - 1]

**Monthly payment** = $ 989.60

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Look into the guidelines that are given below to add, subtract, multiply and divide time easily.

**Adding Time**

- Firstly, write down the values that were given in the problem.
- Add hours, seconds, and minutes separately.
- Then, convert mins to hours and seconds to minutes if possible.
- Then substitute the values in the formula like Time = hours + minutes + seconds.
- Again add hours, seconds, and minutes separately.
- Finally, you will get the answer.

**Subtracting Time**

- Firstly, write down the value that was given the problem.
- Then, convert the values to the smallest unit in them.
- Now, subtract the converted values.
- Again convert the result to the desired unit.

**Multiplying Time**

- Primarily, note down the values that were given in the problem.
- Multiply each unit separately.
- If there is a possibility then convert the values.
- Add the converted units.
- Then again add the units separately.
- Finally, you will get the result.

**Dividing Time**

- The first and foremost thing you need to do is write down the value that was given in the problem.
- Convert the numerator to the smallest unit until you will get the number that should be divisible by 5.
- Now, make the division.
- Finally, you will get the answer.
- Convert that answer into the desired unit.

**Question 1:** Add time of 2 h 53 min + 2 h 8 min 22 s + 46 s

**Solution:**

Given, 2 h 53 min + 2 h 8 min 22 s + 46 s

Now, add units seperately

hours = 2 h + 2 h = 4 h

minutes = 53 min + 8 min = 61 min

seconds = 22 s + 46 s = 68 s

Convert, units where possible

minutes = 61 min = 1 h 1 min

seconds = 68 s = 1 min 8 s

Substitute the converted values in formula.

hours + minutes + seconds =

4 h + 1 h 1 min + 1 min 8 s

Add hours, minutes, and seconds separately

hours = 4 h + 1 h = 5 h

minutes = 1 min + 1 min = 2 min

seconds = 8 s

When there's nothing left to add, we write a note down the result.

5 h + 2 min + 2 s = 5 h 2 min 8 s

Hence the addition of time is 5 h 2 min 8 s.

**Question 2:** Subtract Time of 1 day - 11 min 55 s

**Solution:**

Given, 1 day - 11 min 55 s

Convert time values to the smallest unit

1 day = 86400 s

11 min 55 s = 715 s

Subtract the converted values

86400 s - 715 s = 85685 s

Convert the result to the desired unit:

85685 s = 23 h 48 min 5 s

Hence the subtraction of time is 23 h 48 min 5 s.

**Question 3:** Multiply Time of 2 h 43 min 11 s * 6

**Solution:**

Given, 2 h 43 min 11 s * 6

Multiply each unit separately

hours = 2 h * 6 = 12 h

minutes = 43 min * 6 = 258 min

seconds = 11 s * 6 = 66 s

Convert each unit if possible.

hours = 12 h

minutes = 258 min = 4 h 18 min

seconds = 66 s = 1 min 6 s

Add the converted units

hours + minutes + seconds =

12 h + 4 h 18 min + 1 min 6 s

Again, change the units.

(12 h + 4 h) + (18 min + 1 min) + 6 s =

16 h 19 min 6 s

Hence the multiplication of time is 16 h 19 min 6 s.

**Question 4: **Divide the Time by 2 weeks / 5?

**Solution:**

Given, 2 weeks / 5

Convert the numerator to a smaller unit and it should be divisible by 5.

2 weeks = 2 * 7 days =14 days

20 days = 20 * 24 h = 480 h

504 h = 480 * 60 min = 28800 min

Make the division

28800 min / 5 = 5760 min

Convert to the desired unit

5760 min = 99 h 48 min.

Hence the division of time is 99h 48 min.

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**1. How to use this Time Tools?**

Time Tools can be used simply by giving the inputs in the input fields and then tap the calculate button. So that you will get the answers easily.

**2. What is the formula for Adding time?**

Formula for Adding Time is Time = hours + minutes + seconds.

**3. What is the best tool to calculate time?**

The time calculator on Arithmeticcalculators.com is the best tool to calculate time.