Disclaimer

The calculators on FinCalc are provided for educational and informational purposes only. They are not financial, investment, tax, or legal advice.

No warranty

All calculations are performed client-side using standard textbook formulas. We make every effort to ensure correctness, but we provide no warranty as to accuracy, completeness, or fitness for any particular purpose. Always verify results with a qualified professional before making financial decisions.

No fiduciary relationship

Use of this site does not create any advisor-client, fiduciary, or professional relationship between you and FinCalc or its operators.

Local-jurisdiction matters

Tax treatment, interest conventions, and disclosure rules vary by country and over time. The calculators apply generic math; they do not know your jurisdiction or personal situation.

Third-party content

External links (if any) are provided for convenience. We are not responsible for the content of linked sites.

What the calculators can and cannot do

Each calculator on FinCalc applies a single, well-known textbook formula. Compound interest uses FV = PV × (1 + r)n + PMT × ((1 + r)n − 1) / r. Present value uses PV = FV / (1 + r)n. Loan payments use the standard amortising-loan formula. NPV is a straight summation of discounted cash flows; IRR is solved by bisection.

What the calculators do not model: tax, fees, inflation, currency conversion, jurisdiction-specific rules, behavioural factors (prepayment penalties, default risk), or any kind of market timing. If you need any of those, take the calculator output as a starting point and apply your own adjustments, or consult a professional.

The math is checked against common textbook values and against a handful of hand-computed examples (see each calculator's "Worked examples" section). If you find a result that disagrees with a calculator from a reputable source, please open an issue — but please also double-check that the inputs mean the same thing in both tools.