Financial Calculator

Make your numbers easier to understand.

Financial Calculator by idealapps brings everyday money calculations and advanced financial tools into one clean, easy-to-use app. Explore a loan, plan a savings goal or analyze cash flows with guided inputs and clear results.

UNDERSTAND YOUR LOAN
Calculate a periodic payment, interest rate or repayment term. See total interest and repayment costs, explore extra payments, and follow principal and remaining balance in an amortization table. Copy the table to reuse your results.

PLAN YOUR SAVINGS
Explore future value, regular contributions and the initial capital needed for a goal. Choose payment and compounding frequencies, and compare payments at the beginning or end of each period.

EXPLORE INVESTMENTS
Enter periodic cash flows and calculate net present value (NPV) and internal rate of return (IRR). Review detected multiple IRRs when cash flows are ambiguous. Value fixed-coupon bonds and calculate growing annuities and perpetuities.

A COMPLETE ADVANCED KEYPAD
Work with N, I/Y, PV, PMT and FV. Use CPT to solve for the missing variable, plus scientific operations, powers, logarithms, parentheses, memory and optional Reverse Polish Notation (RPN).

KEEP USEFUL CALCULATIONS
Save results on your device and reopen them from your history. Your recent calculations are always close at hand.

SMALL DETAILS THAT HELP
• Tip calculation and bill splitting
• English, Spanish, Portuguese and French
• Adjustable currency formatting
• Offline calculations
• No account required
• No ads in this version

Designed for personal planning, finance study and quick financial calculations.

Calculation notes: loan examples exclude fees and taxes. Cash-flow IRR is per period, not date-based. Bond valuation assumes a coupon date and redemption at face value. Currency selection changes formatting and does not convert currencies. Results depend on your inputs and settings; they are not personalized financial advice.

Recent changes:
Welcome to Financial Calculator by idealapps!
• Calculate loans, savings and amortization.
• Analyze investments with NPV and IRR.
• Value bonds and growing annuities.
• Use the advanced calculator with RPN mode.
• Save calculations in your local history.
Interface available in English, Spanish, Portuguese and French.