Platform
iOS
Category
Finance
Pricing
Free (with Pro)
What is it?
An iPhone app that lets you calculate what your money does over time instead of guessing: six calculators, all on the same engine. Compound interest, loan instalments, term deposits, retirement and inflation — plus goal seek, which is the same question asked backwards.
Highlights
- Six calculators — compound interest, loan & instalments, deposit & term accounts, retirement & FIRE, inflation & purchasing power, and solve for a goal.
- Gross, net and real — three readings of the same calculation: before tax, after withholding, and with inflation taken out.
- Tax rules built in — packs for Turkey, Germany, Spain and Brazil, each stamped with its effective date; enter your own rate if your country isn’t covered.
- Exact to the cent — money is computed in decimal, never floating point, and an amortisation schedule closes at exactly zero.
- Profit-share wording — one switch moves the app into participation-banking vocabulary; the calculation is unchanged, only the terms differ.
- Stays on your device — no account, no server, no analytics, no ads.
The free tier unlocks all six calculators without limits; Pro adds unlimited saved calculations, side-by-side comparison, and CSV and PDF export.
Learn more at octo8.app/cumulative-calculator.