# Vinculum Calc

> Vinculum Calc (iPhone/iPad app by Oren Frenkel.)

- Source: https://appshunter.io/ios/app/vinculum-calc/id6809107917 (this page in markdown: same URL + `.md`)
- Developer: [Oren Frenkel](https://appshunter.io/developer/6787527169)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: English
- Released: 2026-09-09
- Data updated: 2026-09-16
- User reviews in markdown: https://appshunter.io/ios/app/vinculum-calc/id6809107917/reviews.md

## What is 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.


## Version history (last 1 release)

### 1.0 — 2026-09-09

No release notes.

## More apps by Oren Frenkel

- [MentalMultiply](https://appshunter.io/ios/app/mentalmultiply/id6787527166)
- [Real Estate FMV](https://appshunter.io/ios/app/real-estate-fmv/id6788278408)

All apps by Oren Frenkel: https://appshunter.io/developer/6787527169

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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 2026-09-16.*