# Bonds: Simplified

> Professional bond and MBS analytics with educational resources for finance professionals. (iPhone/iPad app by Steven Townsend.)

- Source: https://appshunter.io/ios/app/bonds-simplified/id1193829794 (this page in markdown: same URL + `.md`)
- Developer: [Steven Townsend](https://appshunter.io/developer/1133772209)
- Category: Finance
- Price: $9.99
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 6 MB
- Languages: American English
- Released: 2017-08-24
- Data updated: 2026-08-15
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/bonds-simplified/id1193829794/reviews.md

## What is Bonds?

Transform your fixed income analysis with professional-grade bond calculations in a stunning, redesigned interface. Bonds: Simplified delivers quality analytics directly to your iPhone, avoiding expensive services.

COMPLETELY REDESIGNED EXPERIENCE
• Beautiful, modern interface built with Apple's latest design principles
• Intuitive navigation with enhanced visual clarity
• Streamlined workflows that make complex calculations accessible
• All your favorite features improved and easier to use

ADVANCED MBS ANALYTICS
Get insight into mortgage-backed securities that usually cost a lot more:
• Comprehensive MBS parameter configuration with instant calculation results
• Input pricing and see spreads and key performance metrics
• Side-by-side prepayment sensitivity tables supporting both PSA and CPR methodologies
• Prepayment modeling with sensitivity ranging from -300 to +300 basis points
• Dynamic rate shock analysis comparing baseline speeds across interest rate environments
• Horizon yield curve interpolation with customizable time horizons and rate movements
• Rich graphical representations of periodic balances and projected income streams
• Detailed amortization schedules showing scheduled principal, unscheduled principal, and period-by-period prepayment speeds

ACCESSIBLE MARKET DATA
• Pull US Treasury yield curve updates through modern API for accurate spread analysis
• Seamless integration of current market rates into your calculations
• Historical rate tracking for trend analysis
• Change heat map over dynamic dates

COMPREHENSIVE BOND TOOLS
• New! Fixed-rate bullet bond calculator for traditional bond analysis
• Multi-scenario comparison capabilities
• Stress testing across various rate environments

EDUCATIONAL RESOURCES
Understanding the mechanics behind fixed income valuation is crucial. Bonds: Simplified not only performs the calculations but helps you understand the underlying assumptions and methodologies, making you a more informed analyst. Added the beginning of a much larger interactive learning library with interactive education as a driving focus.

COMING SOON
Continuous development brings new analytical capabilities based on user feedback, ensuring the app evolves with your professional needs.

PERFECT FOR:
• Fixed income analysts and portfolio managers
• Financial advisors working with bond portfolios
• Real estate professionals analyzing mortgage securities
• Students and professionals learning fixed income markets
• Anyone requiring professional bond analytics without institutional costs

Bonds: Simplified democratizes professional fixed income analysis with the reliability and accuracy you demand.

Important: All calculations and valuations are estimates for analytical purposes and should not be relied upon for actual investment transactions. Please consult with qualified financial professionals for investment decisions.

## Key features

- Professional bond calculations
- Advanced MBS analytics
- Prepayment sensitivity analysis
- US Treasury yield curve data
- Fixed-rate bullet bond calculator
- Interactive learning library

## Chart rankings

- #123 in Top Paid · Finance (US App Store)

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/bonds-simplified/id1193829794/reviews.md

### 5/5 — Quick, User Friendly Resource for Bonds

*2020-09-12, version 1.1*

Quick and easy way to analyze bonds. Great resource for anyone who buys or trades or simply wants to learn more about fixed income securities. No guess-work, no Bloomberg needed, just straightforward analysis that gives you the information you need.

### 5/5 — Fixed Income

*2017-08-25, version 1.0*

This is a good app for straight forward analysis.

## Frequently asked questions about Bonds

### What is Bonds: Simplified?

Bonds: Simplified is a finance app designed to provide professional-grade bond and mortgage-backed securities (MBS) calculations. It offers advanced analytics, market data integration, and educational resources for users interested in fixed income markets.

### Is Bonds: Simplified free to use?

No, Bonds: Simplified is a paid application. It is available for a one-time purchase price of $9.99.

### What devices does Bonds: Simplified support?

Bonds: Simplified is compatible with iPhone and iPad devices.

### How often is Bonds: Simplified updated?

The app was last updated on January 19, 2026, with version 2026.1. Continuous development based on user feedback is a focus for future updates.

### Does Bonds: Simplified offer MBS analytics?

Yes, Bonds: Simplified includes advanced MBS analytics. You can configure parameters, input pricing, and view spreads, key performance metrics, and prepayment sensitivity tables.

### Can I get market data with Bonds: Simplified?

Yes, the app can pull US Treasury yield curve updates through a modern API for accurate spread analysis and integrates current market rates into your calculations.

### What is the age rating for Bonds: Simplified?

Bonds: Simplified has an age rating of 4+, making it suitable for a wide range of users.

### Are the calculations in Bonds: Simplified for actual investments?

No, all calculations and valuations are estimates for analytical purposes and should not be relied upon for actual investment transactions. Consult with qualified financial professionals for investment decisions.

## Version history (last 5 releases)

### 2026.1 — 2026-01-19

Compare MBS bonds side-by-side and analyze prepayments like never before

NEW: MBS BOND COMPARISON
Compare two mortgage-backed securities simultaneously with fully configurable parameters. A unified rate slider shows how both bonds respond to interest rate changes, with instant delta calculations for price, yield, WAL, and duration.

REDESIGNED PREPAYMENT ANALYSIS
A streamlined interface brings rate shocks, horizon analysis, and scenario comparisons together in one view. Quick navigation lets you jump between sections, and smarter PSA bounds ensure realistic modeling.

DELTA COMPARISON MODE
New toggle between absolute and percentage changes when comparing rate shock scenarios. See exactly how metrics shift across different rate environments.

ENHANCED ACCESSIBILITY
Comprehensive VoiceOver support throughout the app. Every chart, table, and interactive element now provides rich descriptions, making professional bond analytics accessible to everyone.

FASTER & MORE RELIABLE
Optimized calculations with better memory management. Rate data refreshes intelligently while keeping yield curves current.

### 2025.12 — 2025-12-19

Significant redesign on iPad.
Addition of callable fixed-rate bonds.
Initial interactive education functionality.
Bug fixes all over the place.

### 2025.10 — 2025-09-18

New Component Architecture Update
• Button interactions - All buttons should feel more responsive with improved touch targets and visual feedback
• Card layouts - Information cards and expandable sections should display content more clearly and consistently
• Chart performance - MBS cash flow charts should load faster and interact more smoothly
• Form inputs - Number and rate fields should validate input better and format numbers consistently
• Navigation flow - Moving between calculation screens should feel smoother with better transitions
• Visual polish - Overall app should feel more cohesive with improved spacing, colors, and typography
• Settings & exports - Export functionality and settings screens should be more intuitive to use

### 2025.9 — 2025-09-16

WHAT'S NEW IN THIS VERSION
• Complete UI overhaul with modern Apple design language and enhanced visual hierarchy
• Rebuilt from the ground up with SwiftUI for smoother performance and native iOS experience
• New tabbed navigation architecture for intuitive access to calculations, education, and market data
• Interactive scenario builder with real-time parameter adjustments and instant visual feedback
• Comprehensive educational hub with searchable bond terminology and calculation explanations
• Enhanced chart visualizations with multi-dimensional data representation
• Streamlined calculation workflows that reduce steps while increasing analytical depth
• Improved accessibility with VoiceOver support and Dynamic Type scaling

### 1.2 — 2022-05-01

Minor bug fixes and edits. If there is some calculation or functionality you'd like to see included please don't hesitate to ask!

*** STAY TUNED ***
Currently working on adding additional educational features and simple calculators to help more users understand the basics.

## Apps similar to Bonds

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Options P&L Calculator](https://appshunter.io/ios/app/options-p-and-l-calculator/id6757398999) | 5.0 (1) | Free | Finance |
| [My Westmount](https://appshunter.io/ios/app/my-westmount/id1398993881) | 4.8 (4) | Free | Finance |
| [BOK Mobile Business Banking](https://appshunter.io/ios/app/bok-mobile-business-banking/id1595938315) | — | Free | Finance |
| [Capital Gains Calculator](https://appshunter.io/ios/app/capital-gains-calculator/id6748286864) | 5.0 (3) | Free | Finance |
| [Global Bond Data](https://appshunter.io/ios/app/global-bond-data/id6754238917) | — | Free | Finance |
| [Bond Investing](https://appshunter.io/ios/app/bond-investing/id1576127100) | — | $0.99 | Finance |

## More apps by Steven Townsend

- [Salette: Kids Art Keepsake](https://appshunter.io/ios/app/salette-kids-art-keepsake/id6748412624)
- [Throughline Speed Reader](https://appshunter.io/ios/app/throughline-speed-reader/id6758305019)

All apps by Steven Townsend: https://appshunter.io/developer/1133772209

---

*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 2026-08-15.*