Provision: Finance Calculator

Provision gives you 30+ financial calculators that show results as you type — no “calculate” button, no waiting. Loans, savings, retirement, tax and budgets, with numbers that match where you live.

Set your region once and every calculator uses the right currency, tax brackets and contribution rates. Malaysia, Singapore, Thailand, Indonesia, the Philippines and Vietnam are built in. Every figure carries the date it’s current to and a link to the authority it came from, so you can check it yourself.

CALCULATORS
Personal loan, home loan, car loan, credit card repayment, refinance and loan comparison. Compound interest, savings goal, ROI, Rule of 72, time value of money and asset allocation. Emergency fund, debt-to-income, savings rate, net worth and inflation. Retirement goal, withdrawal sustainability and financial independence. Income tax, service tax, and a retirement fund projection using your country’s own scheme — EPF, CPF or the local equivalent.

YOUR OWN NUMBERS
Enter your household, income and commitments once and calculators open already filled in. Track income and deductions like a payslip, split spending across eight budgeting frameworks, and watch your net worth move.

PLANS
Not sure where to start? Pick a plan that fits your situation — just started earning, building on your own, getting married, family with children, single parent, buying your first home, approaching retirement. Each plan is a short sequence of calculators with a reason for every step.

GOALS
Turn a calculation into something you’re working towards. Set a target from a result you’ve already seen, add checkpoints, and track it to 100%.

KEEP AND SHARE
History saves every calculation automatically. My Files is for the ones you keep on purpose, in folders you name, reopening on the result. Share any result as a designed card or a PDF — as often as you like.

CONVERTERS
Length, weight, area, volume, temperature, speed, data, time, energy, pressure, fuel economy and precious metals. Local units included — tael and mace for gold, the Malaysian “point” for land.

PRIVACY
No account. No sign-up. Your figures stay on this device and are never uploaded.

PRO
No ads. Face ID or passcode lock, on the whole app or just the screens that matter, plus a mode that swaps your figures for dots. Unlimited budgets, finance snapshots and folders. Every colour theme and alternate app icon. Plans you build yourself.

Free includes every calculator, every region, the charts and unlimited sharing — and always will.

WHY PROVISION
→ Results update live as you type — no submit button
→ Six regions with real tax tables, dated and sourced
→ Profile prefill: enter your income once, calculators open ready
→ Share results as designed cards, not screenshots
→ History saves automatically so you can revisit and compare
→ Face ID lock for the screens that hold real numbers
→ Built for real decisions, not financial trivia