Finance Master

A smaller monthly payment does not always mean a cheaper loan. A higher projected balance does not mean a guaranteed return. Finance Master helps you see the difference. Build a plan from your own numbers, compare two options side by side and understand how the result is calculated. No account is needed. PLAN YOUR INVESTMENTS • Start with an amount and explore what it could become over time. • Set a future target and calculate the monthly contribution needed under your assumptions. • Compare two options with their own time periods, returns and contributions. • Separate money paid in from scenario gains or losses. • Add an inflation assumption to see estimated purchasing power. • Follow both options on charts and explore a different return assumption. SEE THE FULL COST OF A LOAN • Calculate one fixed-rate loan or compare two offers for the same amount received. • Enter the nominal annual interest rate, repayment period and upfront or monthly fees. • Mark a fee as known, absent or unknown. Missing costs stay visible. • Compare regular payments, interest, included fees and total payments. • When both offers have known fees, see which has the lower total payments and why. A lower total may require a larger monthly payment. LEARN WHILE YOU CALCULATE Search 28 practical topics, from compound growth and inflation to stocks, ETFs, bonds, gold and crypto. Everyday examples and selected formulas help you understand the numbers. Question marks open the relevant explanation, then take you back to your calculation. EXPLORE BITCOIN HISTORY Move the starting date on a BTC/EUR chart. Compare a single purchase with a fixed number of purchases, separated by a chosen number of days. See the hypothetical value and the course of the investment within the bundled historical period. The final value is dated; it is not a live price or a value for today. Prices do not refresh. All calculators and learning content are available without payment. The app contains banner ads, with an optional one-time purchase to remove them. No subscription. Your calculator entries and drafts stay on your device. Calculations and learning content work offline. Advertising, optional usage analytics and Google Play services may use the internet. Available in English, Slovenian and German. This is an educational scenario calculator, not investment advice, a bank offer or a trading app. Future returns and inflation are assumptions. Historical performance does not predict future results. Bitcoin simulations exclude trading fees, taxes and spreads; loan results depend on the costs you enter.

Compare loans and investment scenarios, explore inflation and learn with practical examples. Includes explanations of stocks, ETFs, bonds, gold and crypto, plus dated Bitcoin history. Privacy choices now share one Google form, with analytics status visible in Settings and no extra switch. Optional one-time purchase removes banner ads. Available in English, Slovenian and German.