IBI SMART vs Vinculum Calc

From stocks to options & equity plans, IBI SMART keeps everything in one place, allowing you to manage all your financial needs.                                                                                                                            Looking for a smart & simple way to invest? Got 15,000 NIS or more? Invest wisely with IBI SMART app - offering easy, hassle-free U.S. stocks and ETFs trading. Want to invest but not sure how to start? With our exclusive Demo Account, you can start trading using virtual money. You’ll receive $100,000 in virtual dollars to trade using actual financial information as if you were using a real account.  If your equity plans are managed by IBI CAPITAL, our app lets you oversee it all: exercise or sell options, access relevant information, review order history, register for the ESPP plan (if available), track grants, manage ESOP, RSUs, and more—all in one place. Download today and start benefiting! Here are some of the features that are available while investing: TipRanks - Analyst Recommendations Access global analyst rankings and opinions on covered stocks through TipRanks. Bridgewise - AI Analysis of Financial Reports An innovative AI service for analyzing financial reports of leading companies and ETFs, using an advanced AI system. Create and Track Your Own Stocks Watch List The app allows you to build a personalized stocks watch list and monitor it regularly. Download IBI SMART and discover what Smart Trading is All About!

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.