# BA Financial Calculator Plus — TVM, NPV, Loan, ROI Calculator

> Comprehensive financial calculator with AI explanations and detailed reports. (iPhone/iPad app by RAY INFORMATICS YAZILIM TEKNOLOJI MEDYA DANISMANLIK VE EGITIM TICARET LIMITED SIRKETI.)

- Source: https://appshunter.io/ios/app/ba-financial-calculator-plus/id1146278871 (this page in markdown: same URL + `.md`)
- Developer: [RAY INFORMATICS YAZILIM TEKNOLOJI MEDYA DANISMANLIK VE EGITIM TICARET LIMITED SIRKETI](https://appshunter.io/developer/965885089)
- Category: Finance, Education
- Price: Free with in-app purchases (on sale, was $5.99)
- Rating: 4.50/5 from 144 App Store ratings · 17 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 14 MB
- Languages: American English
- Released: 2016-09-10
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ba-financial-calculator-plus/id1146278871/reviews.md

## What is BA Financial Calculator Plus?

BA Financial Calculator Plus combines a professional financial calculator with modern, guided finance calculators. Use it for quick calculations, deeper analysis, and as a handy reference for financial concepts, formulas, and examples.

The app includes a classic financial calculator for TVM, cash flow analysis, amortization, storage and recall, math expressions, and calculation history. Guided calculators provide clear inputs, results, charts, descriptions, formulas, and examples for common finance problems.

On Mac, BA Financial Calculator Plus offers a more desktop-friendly experience with keyboard input, shortcuts, sidebar navigation, toolbar controls, resizable layouts, and report workflows.

Key Features:
- Guided calculators with descriptions, formulas, and examples
- Professional financial calculator with scientific notation
- TVM, cash flow, NPV, IRR, AMORT, storage, recall, and history
- Charts and data visualization
- AI-powered explanations for supported calculations
- Save, organize, and share calculation reports
- App Shortcuts for quickly opening calculators

Calculators:
- Time Value of Money (Future Value, Present Value, Interest Rate, Period, Payment)
- Net Present Value and Internal Rate of Return
- Return on Investment (Gain or Loss, ROI, Annualized ROI)
- Compound Interest (Balance, Total Principal, Interest Amount, APY)
- Mortgage (Loan Summary, Payment Breakdown, Amortization Schedule)
- DCF Valuation (Enterprise Value, Equity Value, Intrinsic Value per Share)
- Bond Valuation (Bond Price, Macaulay Duration, Modified Duration, Convexity)
- Capital Asset Pricing Model (CAPM)
- Weighted Average Cost of Capital (WACC)
- Stock Valuation (Constant Growth, Nonconstant Growth)
- Expected Return and Standard Deviation
- Holding Period Return (HPR)
- Black-Scholes Option Pricing (Call/Put Price, Delta, Gamma, Vega, Theta, Rho)
- Tip Calculator

Financial Calculator:
- Solve Time Value of Money equations (FV, PV, PMT, I/Y, N)
- Cash flow analysis with CF, NPV, and IRR
- Amortization with balance, principal, and interest
- Evaluate math expressions, including trigonometric and logarithmic functions
- Store and recall numerical values
- Use keyboard input and shortcuts on Mac
- Follow built-in help and step-by-step instructions
- Review calculation history

Calculation Reports:
- Save calculation reports
- Organize previous reports
- Share reports

BA Financial Calculator Plus Subscription:
Unlock all Pro features with an annual BA Financial Calculator Plus subscription, including advanced calculators, AI explanations, and reports.
Terms of use: https://rayinformatics.com/terms
Privacy policy: https://rayinformatics.com/privacy
Contact: https://rayinformatics.com/contact

## Key features

- Financial calculators with descriptions, formulas, and examples
- Time Value of Money (TVM) calculations
- Net Present Value (NPV) and Internal Rate of Return (IRR)
- Return on Investment (ROI) analysis
- AI-powered explanations for financial insights
- Data visualization and calculation reports
- On-device processing for privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| BA Financial Yearly | $14.99 | per year |
| Ba Financial Pro Yearly | $6.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| BA Financial Calculator Lifetime | $34.99 | one-time |
| BA Financial Pro Lifetime | $17.99 | one-time |


## Recent user reviews (10 of 17)

All indexed reviews: https://appshunter.io/ios/app/ba-financial-calculator-plus/id1146278871/reviews.md

### 5/5 — Such a Great Tool

*2026-08-18, version 1.4.0*

Easy to use always on hand. Explains how results are calculated

### 1/5 — Fake app

*2025-12-08*

Don’t waste money…I lost money

### 1/5 — Free app is not true

*2025-09-09, version 1.3.0*

I just need a financial calculator for my class and half of these apps just either don’t work or is behind a paywall. Just a scam honestly.

### 5/5 — BA Financial Calculator

*2024-12-09*

A very good calculator it has many features.

**Developer response:** Thank you for your nice review

### 5/5 — 要中文版

*2024-11-02*

强烈建议支持中文

### 4/5 — previous issue fixed

*2024-10-08, version 1.2.5*

previous issue fixed

### 1/5 — crashes on ipad Air 4

*2024-10-05*

whenever trying to set Compounding, so not useful

**Developer response:** Hi, we are sorry for the problem. It has been resolved with the version 1.2.5. We would appreciate it if you could update the app to the latest version and give us feedback again.

### 4/5 — Issue with tip

*2024-10-05, version 1.2.4*

Nice app but tip calculator doesn’t take sales tax into account. I calculate tip percentage based on the pretax bill amount. This app doesn’t provide a way to take that into account.

### 3/5 — Useful but with bugs

*2022-01-26*

Useful app, but has some bugs eg Compound interest calculator, merely selecting the Compounding field causes app to crash. Im happy to change review when bugs are fixed.

**Developer response:** Hi, we are sorry for the problem, late reply, and late solution. However, we would like to inform you that the problem has been resolved with the version 1.2.5. We would appreciate it if you could update the app to the latest version and give us feedback again.

### 5/5 — 中文版

*2022-01-06*

希望提供中文版！！！

## Frequently asked questions about BA Financial Calculator Plus

### What financial calculations can BA Financial Calculator Plus perform?

BA Financial Calculator Plus offers a wide range of calculations including Time Value of Money (TVM), Net Present Value (NPV), Internal Rate of Return (IRR), Return on Investment (ROI), Bond Valuation, Capital Asset Pricing Model (CAPM), Weighted Average Cost of Capital (WACC), Stock Valuation, and Black Scholes Stock Option (BSM).

### Does BA Financial Calculator Plus offer any learning resources?

Yes, each calculator within BA Financial Calculator Plus comes with a description, relevant formulas, and practical examples to help users understand financial concepts and their applications.

### How does the AI explanation feature work in BA Financial Calculator Plus?

The AI Explanations feature transforms complex calculations like TVM, NPV, and ROI into clear, human-readable insights. This feature runs on-device using Apple Foundation Models, ensuring speed and enhanced privacy.

### Can I generate and share reports with BA Financial Calculator Plus?

Yes, the app allows you to generate calculation reports, save them, and send them via email. You can also analyze and reorganize these reports for better financial management.

### What is the subscription model for BA Financial Calculator Plus?

BA Financial Calculator Plus offers an optional 'Ba Financial Pro Yearly' subscription for $6.99 per year, unlocking full creative control. The app is free to download and use with basic features.

### On which devices can I use BA Financial Calculator Plus?

BA Financial Calculator Plus is available on Mac, iPhone, and iPad, making it accessible across your Apple ecosystem for financial planning and analysis.

### How often is BA Financial Calculator Plus updated?

The app was last updated on December 30, 2025, with version 1.3.3. This indicates a commitment to ongoing development and feature enhancements.

### What is the user sentiment for BA Financial Calculator Plus?

BA Financial Calculator Plus has a strong user rating of 4.5 stars based on 133 ratings, suggesting a generally positive user experience and satisfaction with its features.

## Version history (last 5 releases)

### 1.4.0 — 2026-07-03

This update brings a more capable financial calculator, new advanced finance tools, clearer explanations, App Shortcuts, and a much improved Mac experience.

What’s New:
- Added App Shortcuts for iPhone, iPad, and Mac. You can now open the Financial Calculator, jump directly to tools like TVM, NPV, DCF, Mortgage, Bond, Stock Calculators, and Reports, or run quick calculations such as Tip, ROI, Mortgage Payment, and Bond Value from Shortcuts, Siri, or Spotlight.

- Improved Financial Calculator with better input handling, calculator history, built-in help, AMORT support, CLR TVM, ANS, FORMAT, and updated 2ND key behavior.

- Added DCF Valuation for estimating enterprise value, equity value, intrinsic value per share, and terminal value.

- Redesigned Mac experience with desktop-friendly sidebar navigation, toolbar controls, resizable layouts, adaptive panels, and keyboard shortcuts.

- Improved guided calculators with clearer layouts, better input formatting, and more consistent result formatting.

- Added native-style descriptions with formulas and examples across calculators.

- Fixed calculation edge cases and formatting issues across TVM, mortgage, stock, bond, option, and financial calculator workflows.


If you enjoy BA Financial Calculator Plus, we would be so grateful for your App Store review or feedback. It helps us keep improving the app and truly means a lot to our small team.

### 1.3.3 — 2025-12-30

- Minor bug fixes.

### 1.3.2 — 2025-11-18

- Meet AI Explanations: turn your TVM, NPV, ROI, Mortgage, Bond, Stock, and all other calculations into clear, human-readable insights in seconds. Runs on-device with Apple Foundation Models for speed and privacy. Requires iPhone 15 Pro or later.
- UI improvement with locale currency formatter.

### 1.3.1 — 2025-09-16

- Refreshed for iOS 26 – say hello to the all-new Liquid Glass look and feel.

### 1.3.0 — 2025-08-31

- Minor bug fixes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*