Financial Calculator Suite

Professional-grade financial calculations with detailed breakdowns, visualizations, and exportable reports. Handles everything from simple loan payments to complex retirement projections with Monte Carlo simulations.

Core Calculators

• Loan Calculator: Amortization schedules, payment breakdowns, prepayment scenarios
• Investment Calculator: Future value, compound growth, recurring contributions
• NPV/IRR Calculator: Net present value, internal rate of return, payback period
• Retirement Calculator: Savings projections, withdrawal strategies, longevity analysis
• Monte Carlo Simulator: Risk analysis with probability distributions
• Mortgage Calculator: Home affordability, refinance comparison
• Savings Goal Calculator: Time to goal, required contributions

Quick Start

from scripts.financial_calc import FinancialCalculator

# Loan calculation
calc = FinancialCalculator()
loan = calc.loan_payment(principal=250000, rate=6.5, years=30)
print(f"Monthly payment: ${loan['monthly_payment']:,.2f}")

# Investment growth
growth = calc.investment_growth(
    principal=10000,
    rate=7,
    years=20,
    monthly_contribution=500
)
print(f"Final value: ${growth['final_value']:,.2f}")

Loan Calculator

Basic Loan Payment

from scripts.financial_calc import FinancialCalculator

calc = FinancialCalculator()

# Calculate monthly payment
loan = calc.loan_payment(
    principal=250000,    # Loan amount
    rate=6.5,            # Annual interest rate (%)
    years=30             # Loan term
)

print(f"Monthly Payment: ${loan['monthly_payment']:,.2f}")
print(f"Total Payments: ${loan['total_payments']:,.2f}")
print(f"Total Interest: ${loan['total_interest']:,.2f}")

Amortization Schedule

# Get full amortization schedule
schedule = calc.amortization_schedule(
    principal=250000,
    rate=6.5,
    years=30
)

# Schedule is a list of monthly payments
for payment in schedule[:12]:  # First year
    print(f"Month {payment['month']}: "
          f"Payment ${payment['payment']:,.2f}, "
          f"Principal ${payment['principal']:,.2f}, "
          f"Interest ${payment['interest']:,.2f}, "
          f"Balance ${payment['balance']:,.2f}")

# Export to CSV
calc.export_amortization(schedule, "loan_schedule.csv")

Prepayment Analysis

# Compare with extra payments
comparison = calc.prepayment_comparison(
    principal=250000,
    rate=6.5,
    years=30,
    extra_monthly=200
)

print(f"With extra payments:")
print(f"  Months saved: {comparison['months_saved']}")
print(f"  Interest saved: ${comparison['interest_saved']:,.2f}")
print(f"  New payoff: {comparison['new_term_years']:.1f} years")

Investment Calculator

Future Value

# Simple compound growth
result = calc.future_value(
    principal=10000,
    rate=7,           # Annual return (%)
    years=20
)
print(f"Future value: ${result['future_value']:,.2f}")

# With monthly contributions
result = calc.investment_growth(
    principal=10000,
    rate=7,
    years=20,
    monthly_contribution=500
)
print(f"Final value: ${result['final_value']:,.2f}")
print(f"Total contributions: ${result['total_contributions']:,.2f}")
print(f"Total growth: ${result['total_growth']:,.2f}")

Investment Comparison

# Compare different scenarios
scenarios = calc.compare_investments([
    {'name': 'Conservative', 'rate': 4, 'principal': 10000, 'monthly': 500},
    {'name': 'Moderate', 'rate': 7, 'principal': 10000, 'monthly': 500},
    {'name': 'Aggressive', 'rate': 10, 'principal': 10000, 'monthly': 500},
], years=20)

for s in scenarios:
    print(f"{s['name']}: ${s['final_value']:,.2f}")

NPV/IRR Calculator

Net Present Value

# Calcu