FinanceVecta

FinanceVecta is a finance calculator that starts from your question, not a formula. Borrow, grow, or a big money decision - guided flows walk you there in plain words. "Payment", "Loan amount" and "Term" instead of PMT, PV and N. It runs a full toolkit entirely in your browser: time value of money (solve payment, amount, rate, term or future value), loan amortization schedules, NPV, IRR, XIRR and MIRR cash-flow analysis, bond pricing and yield, option pricing, depreciation, and a US federal income-tax estimate (2026 edition, on-device dated pack). Every answer shows its source: a precision label, a plain-English explanation of what the number means, the honest assumptions, and the full math trace. Private by default: the engine runs locally. Calculations never use the network and your figures never leave your browser. The only background request is a public signed revocation-list check when a paid license is stored; it sends no calculator input, cookies, account data, or request body. Free forever: all calculations, the trace on every result, and the amortization schedule. A one-time FinanceVecta Pro upgrade adds the interactive instruments - drag-the-slider what-if payoff charts and side-by-side compare (loan A/B, save-vs-invest, rent-vs-buy). No subscription, no account. Available in 25 languages with full right-to-left support.