Fintrium: Financial Calculator

A professional financial calculator built for how you actually use one — studying for the CFA, FRM, or CPA exam, underwriting a deal, or just trying to understand a loan before you sign it. WHY FINTRIUM Most financial calculator apps make you choose: pay once for something that hasn't been updated in years, or use a free app that tracks your usage and interrupts you with ads. Fintrium is neither. One purchase, $9.99, everything included, forever. No subscriptions. No in-app purchases. No ads. No tracking of any kind — every calculation happens entirely on your device. WHAT'S INCLUDED Calculator Emulator The full keystroke workflow you already know — N, I/Y, PV, PMT, FV, CPT, 2nd functions, STO/RCL memory registers — rebuilt as a native app with haptic feedback on every key. Time Value of Money (TVM) Solve for any variable with true bisection-based I/Y solving, in END or BEGIN mode. Cash Flow (NPV / IRR / MIRR) Full uneven cash-flow analysis with a multi-sign-change warning for deals where IRR isn't unique. Bonds Price, yield to maturity, current yield, Macaulay and modified duration, and convexity in one worksheet. Loan Amortization Complete payment schedules with principal/interest breakdowns, exportable as PDF or CSV. Depreciation Straight-line, double-declining balance, and sum-of-years'-digits schedules side by side. Statistics Mean, median, standard deviation, variance, covariance, correlation, and beta. 16 Business Tools ROI, CAGR, break-even, contribution margin, cap rate, DSCR, markup vs. margin, and more. Formula Library 66 formulas across 12 categories — Time Value of Money, Bonds, Loans, Corporate Finance, Portfolio Management, Accounting, Statistics, Real Estate, and more — each linked directly to the calculator that solves it. BUILT FOR EXAM PREP Whether you're working through CFA, FRM, or CPA material, Fintrium mirrors the calculation workflow those exams are built around, with a formula library organized the way your coursework is. YOUR PRIVACY, ACTUALLY RESPECTED Every calculation, every saved history entry, every workspace — stored only on your device. Fintrium makes no network requests, requires no account, and shares no data with anyone, because there's no server to share it with. Delete the app and everything's gone. That's the whole privacy policy. ONE PRICE, EVERYTHING INCLUDED $9.99, once. Every calculator, every formula, every feature — unlocked from the moment you open the app. No paywalls, no "Pro" tier, no ads to sit through while you study.