Vinculum Calc

Vinculum Calc — Loans, Bonds, and Options, Done Right Vinculum Calc pairs an everyday basic calculator with a genuinely deep financial toolkit — built for anyone who needs more than a generic "loan calculator" app. Loan Calculator — Built for Real-World Financing Solve for any of Loan Amount, Payment, Interest Rate, or Amortization Period — Vinculum Calc rearranges the math for you. • Balloon loans: set a Loan Term shorter than the Amortization Period • Interest-only grace periods, upfront fees (flat or % of loan), and recurring extra principal payments • Monthly, quarterly, semiannual, or annual payment frequency • Full period-by-period amortization schedule with Total Interest, Balloon Amount, Net Proceeds, and Effective Financing Cost (true IRR-based rate) • Copy or export the entire schedule to CSV • Sensitivity grid across rate and term showing Payment, Debt Service, Balloon, and Total Interest Bond Calculator — Institutional-Grade Bond Analytics • Solve Price from Yield-to-Maturity, or YTM from Market Price • Any repayment structure — bullet, equal-principal (sinking fund), or a fully custom schedule you can describe in plain language • Periodic or actual-date schedules, with 5 day-count conventions (Act/365, Act/360, Act/Act ISDA, 30/360, 30E/360) • Clean price, dirty price, and accrued interest, always shown together • Full risk analytics: Macaulay Duration, Modified Duration, Convexity, Dollar Duration (DV01), Weighted Average Life • Yield-shift scenario table (±25/50/100bp) comparing exact repricing to a Duration + Convexity estimate • Complete cash flow schedule with copy and CSV export • 2-D sensitivity grid across Yield and Coupon Rate • One-tap PDF report — bond summary, full cash flow schedule, and sensitivity table, ready to share Also Included • A clean, fast basic calculator for everyday math • Black-Scholes European option pricing: Call/Put values, all five Greeks with plain-language explanations, an Implied Volatility solver, and sensitivity tables • Calculation history with one-tap Copy and Share • Full VoiceOver and Dynamic Type support • One app across iPhone, iPad, and Mac Whether you're structuring a balloon loan, pricing a bond to the basis point, or checking an option's Greeks, Vinculum Calc gives you real financial-calculator depth without the clutter.