Finance Formulator vs XL Delta

Finance Pro — 100+ Financial Calculators with Live Market Data Finance Pro is the most comprehensive financial calculator on the App Store. With over 100 formulas, live stock quotes, real-time currency conversion, and portfolio tracking, it's the only finance tool you need — whether you're a financial analyst, business student, investor, or someone calculating their next mortgage payment. LIVE MARKET INTEGRATION • Look up real-time stock quotes for any ticker symbol • Fetch live prices directly inside calculators — no switching between apps • Track your portfolio value with up to 10 stocks and live pricing • Calculate portfolio returns with annualized gains, cost basis, and holding period analysis • Convert any calculator result into 6+ major currencies using live exchange rates • Quick-convert foreign currency amounts into your local currency on any input field 100+ FINANCIAL CALCULATORS Every formula calculates your values and explains the meaning behind the results, combining a financial dictionary with a powerful calculator. Categories include: • Personal Finance — Mortgage payments, car loans, lease payments, tip calculator, housing affordability, and more • Stock Calculations — P/E ratio, price to book, price to sales, book value per share, payout ratio • Technical Analysis — Advance/decline, ARMS index, breadth thrust, Chande momentum, money flow index, and 10 more • Business Analysis — Break-even, inventory turnover, Z-score credit analysis, operating cycle, working capital • Business Valuation — NPV, WACC, DuPont ROE, EV/EBITDA, payback period, profitability index • Bond Calculations — Yield to maturity, bond duration, current yield, coupon rates • Investments — Holding period return, Rule of 72, capitalization rates, discounted value • Mortgage — Monthly payments, total carrying costs, points calculations • Debt Ratios — Acid test, debt to equity, interest coverage, asset utilization • Cost of Capital — Cost of debt, preferred stock, common stock, effective annual yield • Depreciation — Straight line, declining balance, double declining, value after years • Insurance — Actual cash value, reimbursement calculations • Interest Formulas — Future value, APR, installment loans, daily compounding • Accounts Receivable — Turnover ratios, average receivables, receivables by assets • Equity Ratios — Return on equity, opportunity cost, cash investment return • Rental Income & Gross Rent Multiplier — NOI, carrying costs, GRM analysis • Capitalization — Cap rate analysis and property valuation • Startup & Growth — Burn rate, runway, customer acquisition cost • Valuations — Asset-based, earnings-based, and comparable analysis POWERFUL TOOLS • Save calculations and revisit them anytime • Compare up to 4 scenarios side by side • Export and share results • 6 interactive chart types — growth curves, amortization, donut, waterfall, Z-score, and more • 30+ currencies supported with one-tap switching • Beautiful dark mode interface FINANCE PRO UPGRADE — $2.99 (Lifetime) Free users get 5 calculations per day, 3-stock portfolios, and full access to all formulas. Upgrade once for unlimited calculations, save and export, live price integration inside calculators, result currency conversion, scenario comparison, and 10-stock portfolios. One purchase. No subscriptions. Yours forever.

XL Delta is a fast, focused reference app for Excel and finance formulas — built for students, analysts, and professionals who need answers immediately. Search and explore essential Excel, finance, valuation, investing, and modeling formulas without clutter, ads, or distractions. Whether you're debugging a spreadsheet, studying for an exam, or building a model, XL Delta helps you find the right formula fast. WHAT YOU CAN DO WITH XL DELTA - Look up common Excel formulas and functions - Reference finance and valuation formulas (IRR, NPV, loan math, and more) - Understand how formulas work and when to use them - Save your favorites for quick access later - Use it as a lightweight companion alongside Excel OPTIONAL AI TEMPLATE GENERATION XL Delta also includes an optional AI-powered template generator. Bring your own API key from Anthropic (Claude) or OpenAI (ChatGPT), describe what you need in plain English, and get a working Excel template you can export and use immediately. Templates generated by AI may need review for accuracy before relying on them for important decisions. Your prompts are sent directly to your chosen AI provider using your own key — XL Delta does not see, store, or process them. DESIGNED FOR REAL USERS XL Delta is designed to be simple, fast, and practical. No tutorials to sit through — just the formulas you need when you need them. No accounts. No ads. No subscriptions. PERFECT FOR - Finance and accounting students - Analysts and modelers - Excel users at any skill level - Anyone who wants quick, reliable formula references