RIPPRE

Portable Pocket Series — Finance

FinanceCalc Pro

Launching 2026

Run the numbers, see the math, keep the spreadsheet.

FinanceCalc Pro is 216 finance calculators in one app — loans and mortgages, retirement, investing, real estate, business, and income tax for every state. Enter your numbers and press Calculate: you get the answer, the formula behind it, and a full schedule or chart where one helps. Drag a slider to see what changes, save the scenario, and compare it with the next offer.

It is made for people who like to check the math — homeowners weighing a refinance, savers planning retirement, freelancers setting a rate, and loan officers and planners who hand reports to clients. Everything runs on your iPhone, iPad, or Mac, with no account, no ads, and no tracking. When you need to keep working, export an Excel workbook, a branded PDF, or a CSV file.

  • 216 calculators in 16 categories
  • Excel, PDF, and CSV exports built in
  • Works offline — no account, no tracking
Request early access Read the docs

Features

216 calculators, 16 categories

  • Loans and mortgages, real estate, retirement, investing, stocks, bonds, credit cards, auto, business, budgeting, insurance, crypto, equity compensation, life events, and everyday math.
  • Income tax for federal, all 50 states, and DC, with 2025 and 2026 figures and a Tax Year picker wherever the year matters.
  • Retirement in depth: a Monte Carlo simulator, Social Security claiming and benefit estimates, required minimum distributions, Roth conversions, and Medicare surcharges.
  • Home decisions side by side: rent vs buy, FHA vs VA vs conventional, refinancing, rate buydowns, and rental property returns.
  • Inflation, currency, and Treasury bill calculators that run on bundled public data, so they work offline.
  • Search by name, open only the categories you need, and keep favorites one tap away.

Answers you can check

  • Every result explains its formula and method in plain words, under How It is Calculated.
  • Help text sits under every input, and a searchable Glossary defines every term in plain English.
  • Payments, balances, and interest are worked out in exact decimal arithmetic, so the cents add up.
  • Tax figures and limits come from IRS, Social Security, and state sources; where a rate is really your assumption, the app asks you for it.
  • Full schedules for loans, payoffs, and projections, row by row, not just a summary.

Explore before you decide

  • What-if sliders on up to four inputs recalculate the answer as you drag.
  • A sensitivity chart shows how the headline result moves across the range of any numeric input.
  • Trend charts you can drag across to read the exact value at any point.
  • Save any calculation as a named scenario, reopen it later, and compare two to four side by side.
  • The retirement simulator runs a thousand market paths and gives the same answer for the same inputs every time.

Take your numbers with you

  • Export to Excel: seven tabs covering the summary, inputs, results, full schedule with live totals, method, data sources, and disclaimer.
  • A clean, printable PDF report, with your own name and logo in the header if you add them.
  • CSV for any spreadsheet or accounting tool, and email for all three formats from inside the app.
  • Share a result as an image, or send a link that reopens the calculator with your inputs filled in.

Plan, not just calculate

  • A Dashboard with a financial-health score built only from the goals and accounts you enter — no invented numbers.
  • Goals with progress tracking, and a net-worth tracker with assets, liabilities, and a trend chart.
  • A Financial Profile — age, income, filing status, state, and more — fills matching inputs on new calculators, and you can switch it off for any calculator.
  • Local reminders for bills, CD maturities, quarterly estimated taxes, and goal check-ins.
  • Back up everything to a file you choose, and restore it on this device or another.

At home on every screen

  • A five-tab layout on iPhone; on iPad and Mac, a sidebar, with inputs and results side by side on wide screens.
  • Keyboard shortcuts on iPad and Mac to calculate, save, export, and move between sections.
  • Home Screen and Lock Screen widgets, including a tip calculator you use right on the widget.
  • Siri Shortcuts for a loan payment or future value, every calculator in Spotlight search, and a Control Center button on iOS 18.
  • English, Spanish, French, German, Japanese, and Simplified Chinese, in light or dark, with text that follows your size setting.

Why you can trust it

FinanceCalc Pro has no account, no ads, no analytics, and none of the hidden third-party code most apps carry. Every calculation runs on your device, and your scenarios, goals, net worth, and profile stay there. The only time it goes online is to fetch updated public reference data — inflation, Treasury and exchange rates, and tax tables — and that request carries nothing about you.

The math is built to be checked. Money is worked out in exact decimal arithmetic, every result explains its formula, and more than 1,100 automated tests check the calculators, including tests that fail if a bundled tax year goes out of date. It is a planning tool, not financial advice: check rates and rules before you act.

Version updates

FinanceCalc Pro is not in the App Store yet, so every build below is a pre-release, and version 1.0 is reserved for the first public release. The current build, listed first, adds the newest work and has not been given a version number of its own yet.

  1. Current build

    Pre-release

    216 calculators and a sidebar for iPad and Mac

    • 37 new calculators (179 to 216), including State-Aware Take-Home Pay, a W-4 Withholding Checker, a Social Security Benefit Estimate, FHA vs VA vs Conventional, and Freelance Hourly Rate.
    • On iPad and Mac, a sidebar replaces the tab bar, the calculator list stays beside the open calculator, and wide windows show inputs and results side by side.
    • Keyboard shortcuts on iPad and Mac to calculate, save, export, and switch sections.
    • A Financial Profile fills matching inputs on new calculators from numbers you enter once.
    • A Sensitivity chart on every calculator with a numeric input, and a searchable Glossary of every term.
    • A Tax Year picker (2025 or 2026) on five more tax calculators, plus 2026 figures for Medicare surcharges, Solo 401(k) limits, and income-driven repayment.

  2. Version 0.19.0

    A new look, light mode, and a Dashboard

    • A full redesign with rounded cards, a highlighted headline result, and the system font at your chosen text size.
    • Light mode and a System option join Dark in Settings.
    • A Dashboard tab with a financial-health score built only from your own goals and net-worth accounts.
    • Twelve calculators for bonds, crypto, equity compensation, and insurance (167 to 179).
    • Haptics and motion you can switch off in Settings; Reduce Motion is always respected.
    • Fixed: opening a calculator from a widget, Spotlight, or a link while another was open could show the old calculator's results.

  3. Version 0.18.0

    A Real Estate category

    • A new Real Estate category gathers eleven property calculators, from Rental Property ROI to Rent vs Buy.
    • Three buydown calculators — temporary, permanent, and a head-to-head comparison of the two (164 to 167).
    • Favorites, recents, and saved scenarios carry over unchanged.

  4. Version 0.17.0

    Tax years, and the right version number

    • The Income Tax Estimator gains a Tax Year picker, with 2025 and 2026 figures for federal tax, all 50 states, and DC.
    • 2026 federal figures checked to the cent against the IRS's published tables.
    • Settings now shows the app's real version number.
    • If saved data cannot be opened, the app still starts and every calculator keeps working.

  5. Version 0.16.0

    FinanceCalc Pro on the Mac

    • FinanceCalc Pro runs as a Mac app, set up so one purchase will cover iPhone, iPad, and Mac.
    • A Mac app icon, and windows that open at a desktop size and resize freely.
    • Collapsible categories keep all 164 calculators on one screen.

  6. Version 0.15.0

    Reminders, backups, and branded reports

    • Local reminders for bills, CD maturities, quarterly estimated taxes, and goal check-ins.
    • Back up saved scenarios, favorites, recents, and goals to a file, and restore them later.
    • Share Link sends a link that reopens a calculator with your inputs filled in.
    • Your name and logo on exported PDF reports.
    • Trend charts you can scrub, and a Tip Calculator widget.

  7. Version 0.12 – 0.14

    From 87 to 164 calculators

    • 77 new calculators, including a Monte Carlo retirement simulator, Social Security claiming, Roth conversions, rental property returns, student loans, equity compensation, and life events.
    • A Net Worth tracker with assets, liabilities, dated snapshots, and a trend chart.
    • Open calculators from Spotlight, the app icon's quick actions, a Home Screen widget you configure, or a Control Center button on iOS 18.
    • An in-app User Manual, Privacy Policy, and terms, plus a first-use tip on each calculator.
    • Every new calculator translated into all five added languages.

  8. Version 0.1 – 0.11

    The foundation

    • The first 87 calculators — loans and mortgages, investing, retirement, bonds, stocks, credit cards, auto, business, and everyday math — including an Income Tax Estimator for federal and state tax.
    • Inflation, currency, and Treasury bill calculators that run on bundled public data.
    • Excel export with working totals, plus PDF and CSV, and email from inside the app.
    • Saved scenarios with side-by-side comparison, trend charts, help text on every input, and live what-if sliders.
    • Home Screen and Lock Screen widgets, Siri Shortcuts, and a goal tracker.
    • The whole app in Spanish, French, German, Japanese, and Simplified Chinese.

Documentation

How to set up FinanceCalc Pro, use it day to day, and fix what goes wrong.

Open the FinanceCalc Pro docs

Build with Rippre

Ideas become businesses through execution.

hello (at) rippre (dot) com