Financial Calculator

Use deterministic calculations instead of ad hoc spreadsheet math when the user needs precise financial outputs.

Use This For

• Loan and mortgage math
• Investment growth and savings goals
• NPV, IRR, and payback analysis
• Retirement projections and withdrawal planning
• Monte Carlo style risk scenarios

Workflow

1. Confirm units and assumptions first: rates, compounding, time horizon, taxes, and inflation.
2. Use scripts/financial_calc.py as the source of truth for the computation.
3. Return both the answer and the assumptions that materially drive it.

Guardrails

• Treat outputs as calculations, not personalized financial advice.
• Surface simplifying assumptions and scenario sensitivity.