Private, precise, and blazing fast. Loan, ROI, break‑even, compounding, and invoice factoring—computed locally in your browser. No sign‑up. No tracking bloat.
Everything computes locally in your browser. Your numbers never leave your device.
Proven formulas for amortization, compounding, ROI, and break‑even analysis.
Zero frameworks, instant results, buttery‑smooth on mobile.
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Five essentials for founders, operators, and finance teams.
Monthly payment, payoff time, and total interest. Extra payment supported.
Formula: M = P·r·(1+r)^n / ((1+r)^n − 1), r=annual/12, n=months.
Future value with optional periodic contributions.
Future value uses geometric series closed‑form for periodic contributions.
Return on Investment = (Gain − Cost) / Cost.
Positive ROI indicates profit; negative indicates loss.
Units required for zero profit/loss.
Requires positive contribution margin (price > variable cost).
Estimate advance, fees, reserve, and effective APR.
Approximation; real contracts may apply additional fees.
Compare current loan vs. new loan; find break‑even months and total savings.
Payoff time by fixed payment or required payment for a target timeline.
Effective annual percentage rate when up‑front fees reduce cash disbursed.
No. Everything runs in your browser; there is no server database and no tracking beyond basic analytics you might add.
Yes—these are standard finance formulas (amortization, geometric series, ROI, and break‑even). For edge cases, consult a professional.
Display uses your browser locale; numbers work the same for any currency.