I built FinCalc AI after realizing I was maintaining the same Excel spreadsheets for years.
Mortgage Calculator
Most online calculators give you a monthly payment and call it done. This one shows the full amortization schedule. Bi-weekly payments save 4-5 years and ~$65K on a $400K mortgage at 6.5%.
Compound Interest Calculator
$500/month at 7% for 30 years = ~$610K. Wait 5 years to start = only ~$440K. That delay costs $170K.
Retirement Calculator
Monte Carlo simulation with 1000 random scenarios. The 4% rule has a ~5% failure rate over 30 years.
ROI Calculator
For evaluating side projects. Forces you to value your time at a real hourly rate.
Debt Payoff Calculator
Snowball vs avalanche comparison. Avalanche is mathematically optimal, snowball works better psychologically.
→ All free at financalcai.com. No signup, no email, works on mobile.
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