Time value of money, NPV, IRR, XNPV, XIRR, bond pricing, Black-Scholes options, depreciation, tax estimates and break-even analysis - a full finance calculator that shows its work, on your device. Every result comes with its formula and inputs, so you can check the math instead of trusting a black box. No accounts, no network, no tracking. Informational only - not financial or tax advice.
Real screenshots from the current development build, not mockups.
The home screen asks what you're trying to figure out - borrow, grow, or a big money decision - and guided flows walk you there step by step in plain words. "Payment", "Loan amount" and "Term" instead of PMT, PV and N; every screen readable without a finance degree.
Time value of money, NPV, IRR, XNPV, XIRR, bond pricing, Black-Scholes options, depreciation, tax estimates and break-even - the working set for finance work, in one app.
Each result carries its formula, inputs and assumptions - reasoning you can review and reproduce, not a bare number.
Beyond the core toolkit: 100 engine-verified calculators across four signed packs - everyday finance, loans & debt, savings & fixed income, and mortgages & homeownership - including the guided Mortgage journey: afford, then payoff, then a stress test, then the refi break-even.
Runs fully offline. No accounts, no ads, no trackers, no network calls. Your figures never leave your device.
Informational only - not financial or tax advice. Tax-rule packs are dated editions by region and year, never a silent live source.
The catalog as it actually stands. Packs ship to users only after their expert review clears.
All calculations (TVM, NPV, IRR, bonds, options, tax), the precision label and trace on every result, the amortization schedule, and a US federal tax estimate (2026 edition, on-device dated pack). On-device, no account, no tracking.
Free means free: no account, no trial clock, nothing expires.
Final prices land per market at launch. What you buy keeps working offline, forever.
Yes, entirely. Every calculation runs on your device with no network calls.
No. FinanceVecta is an informational calculator, not financial or tax advice. Verify against your own circumstances and a qualified professional.
The free tier ships a US federal tax pack, 2026 edition. Every tax pack shows its jurisdiction and edition year on its face; install a newer signed edition when you need an updated year. Additional jurisdictions are planned as separate, one-time dated packs.
FinanceVecta keeps calculator inputs and working history on your device. Optional purchases are handled by the purchase channel, and minimal license identifiers may be processed only to issue, restore, refund, or revoke offline licenses. Knowledge packs state their review status on their face before they are used by the app.
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