Amortization Calculator vs SaveSpend3

Use this app to estimate your monthly loan payment and review an amortization chart. Simply enter the loan amount, loan term, and interest rate, and the app will calculate your monthly payment, total interest, and total payment. You can also view annual or monthly amortization schedules and charts. The app is intuitive, simple, and easy to use. DISCLAIMER: This app is a calculation tool and does not provide financial, investment, legal, or tax advice. Results are for reference only and should not be used as the sole basis for financial decisions. Users should evaluate information independently and exercise caution before making any decisions. SUBSCRIPTION INFORMATION: This subscription gives users unlimited access to all app features during the active subscription period. • Payment will be charged to your iTunes Account at confirmation of purchase. • The subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours before the end of the current period, and the renewal cost will be shown. • Subscriptions may be managed by the user, and auto-renewal may be turned off in the user's Account Settings after purchase. • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription, where applicable. Privacy Policy: https://13520178.github.io/amortizationCalc/policy.html Terms of Use: https://13520178.github.io/amortizationCalc/terms.html We are happy to serve you. If you have any requests, don’t hesitate to contact us. - phannhatd@gmail.com

Helpful to plan and budget your money, SaveSpend3 calculates Savings, or Social Security Accumulation vs filing age, or Spending over time. Earnings/interest, inflation, and taxes are included in the calculations as appropriate. Monte Carlo random variation can optionally be applied to earnings/interest and/or inflation and averaged over multiple runs. Results can be viewed in a table or as a chart. Separate tabs are provided to calculate Save, SSAccumulate, and Spend. Save can easily calculate the growth effects of compound interest rates and yearly taxes and on your regular monthly savings. Compounding frequencies of daily, monthly, quarterly, semiannually, or annually can be selected in the Settings. SSAccumulate similarly calculates compound growth but also takes into account inflation COLA adjustments to the SS amounts. The default 3 filing ages of 62, 66, and 70 can be adjusted by the user in the Settings. Spend will calculate the remaining balance year after year given an initial principal amount and initial withdrawal amount per year. You can budget how long your money will last given its earnings rate per year and the inflation rate per year. This is minimalist by design with no ads, no in-app purchases, no pro buy-up version, no data collection or profiling, no bells and whistles, and no fancy moving graphics to distract you, just numbers. Note: Financial entertainment value only, fun playing with numbers. This uses simple yearly compounding, assumes constant interest, earnings, inflation, and taxes, and should NOT be used for accurate predictions.