financial-calculator — Skillopedia

Financial Calculator Comprehensive financial calculations including future value, present value, discount/markup pricing, compound interest, and comparative tables. Quick Start CLI Usage Web UI Launch the interactive calculator: Or manually: Features: - 7 calculator types with intuitive tabs - Real-time calculations - Interactive tables - Beautiful gradient UI - Mobile-responsive design Calculators 1. Future Value (FV) Calculate what an investment will be worth in the future with compound interest. Use cases: - Investment growth projections - Savings account growth - Retirement planning Input…

+ parseFloat(value).toFixed(2).replace(/\\B(?=(\\d{3})+(?!\\d))/g, ',');\n }\n\n function getTotalYears(years, months) {\n return parseFloat(years) + (parseFloat(months) / 12);\n }\n\n function destroyChart(chartId) {\n if (chartInstances[chartId]) {\n chartInstances[chartId].destroy();\n delete chartInstances[chartId];\n }\n }\n\n // Future Value\n async function calculateFV() {\n const principal = document.getElementById('fv-principal').value;\n const rate = document.getElementById('fv-rate').value;\n const years = document.getElementById('fv-years').value;\n const months = document.getElementById('fv-months').value;\n const frequency = document.getElementById('fv-frequency').value;\n const totalYears = getTotalYears(years, months);\n\n const response = await fetch('/api/future-value', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rate, years: totalYears, frequency})\n });\n\n const data = await response.json();\n if (data.success) {\n const fv = data.future_value;\n const gain = fv - principal;\n const gainPct = (gain / principal) * 100;\n\n document.getElementById('fv-value').textContent = formatCurrency(fv);\n document.getElementById('fv-gain').textContent = formatCurrency(gain);\n document.getElementById('fv-gain-pct').textContent = gainPct.toFixed(2) + '%';\n document.getElementById('fv-result').classList.add('show');\n\n // Generate timeline chart\n await generateFVTimeline(principal, rate, totalYears, frequency);\n }\n }\n\n async function generateFVTimeline(principal, rate, years, frequency) {\n const timeline = await fetch('/api/growth-timeline', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rate, years, frequency})\n });\n \n const data = await timeline.json();\n if (data.success) {\n // Draw chart\n destroyChart('fv-chart');\n const ctx = document.getElementById('fv-chart').getContext('2d');\n chartInstances['fv-chart'] = new Chart(ctx, {\n type: 'line',\n data: {\n labels: data.timeline.map(d => 'Year ' + d.year),\n datasets: [{\n label: 'Balance',\n data: data.timeline.map(d => d.balance),\n borderColor: '#667eea',\n backgroundColor: 'rgba(102, 126, 234, 0.1)',\n fill: true,\n tension: 0.4\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n plugins: {\n legend: { display: false }\n },\n scales: {\n y: {\n ticks: {\n callback: function(value) {\n return '

Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.

+ value.toLocaleString();\n }\n }\n }\n }\n }\n });\n\n // Draw table\n const table = document.getElementById('fv-timeline');\n let html = '\u003cthead>\u003ctr>\u003cth>Year\u003c/th>\u003cth>Balance\u003c/th>\u003cth>Interest Earned\u003c/th>\u003cth>Total Interest\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n data.timeline.forEach(row => {\n html += `\u003ctr>\n \u003ctd>${row.year}\u003c/td>\n \u003ctd>${formatCurrency(row.balance)}\u003c/td>\n \u003ctd>${formatCurrency(row.interest)}\u003c/td>\n \u003ctd>${formatCurrency(row.total_interest)}\u003c/td>\n \u003c/tr>`;\n });\n html += '\u003c/tbody>';\n table.innerHTML = html;\n }\n }\n\n // Present Value\n async function calculatePV() {\n const future_value = document.getElementById('pv-future').value;\n const rate = document.getElementById('pv-rate').value;\n const years = document.getElementById('pv-years').value;\n const months = document.getElementById('pv-months').value;\n const frequency = document.getElementById('pv-frequency').value;\n const totalYears = getTotalYears(years, months);\n\n const response = await fetch('/api/present-value', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({future_value, rate, years: totalYears, frequency})\n });\n\n const data = await response.json();\n if (data.success) {\n const pv = data.present_value;\n const discount = future_value - pv;\n \n document.getElementById('pv-value').textContent = formatCurrency(pv);\n document.getElementById('pv-future-display').textContent = formatCurrency(future_value);\n document.getElementById('pv-discount').textContent = formatCurrency(discount);\n document.getElementById('pv-result').classList.add('show');\n\n // Draw chart\n destroyChart('pv-chart');\n const ctx = document.getElementById('pv-chart').getContext('2d');\n chartInstances['pv-chart'] = new Chart(ctx, {\n type: 'doughnut',\n data: {\n labels: ['Present Value', 'Discount'],\n datasets: [{\n data: [pv, discount],\n backgroundColor: ['#667eea', '#e0e7ff']\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false\n }\n });\n }\n }\n\n // Discount\n async function calculateDiscount() {\n const price = document.getElementById('discount-price').value;\n const discount = document.getElementById('discount-percent').value;\n\n const response = await fetch('/api/discount', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({price, discount})\n });\n\n const data = await response.json();\n if (data.success) {\n const r = data.result;\n document.getElementById('discount-final').textContent = formatCurrency(r.final_price);\n document.getElementById('discount-amount').textContent = formatCurrency(r.discount_amount);\n document.getElementById('discount-result').classList.add('show');\n\n // Draw chart\n destroyChart('discount-chart');\n const ctx = document.getElementById('discount-chart').getContext('2d');\n chartInstances['discount-chart'] = new Chart(ctx, {\n type: 'bar',\n data: {\n labels: ['Original Price', 'Final Price'],\n datasets: [{\n label: 'Price',\n data: [r.original_price, r.final_price],\n backgroundColor: ['#764ba2', '#667eea']\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n scales: {\n y: {\n beginAtZero: true,\n ticks: {\n callback: function(value) {\n return '

Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.

+ value;\n }\n }\n }\n }\n }\n });\n\n // Generate scenarios table\n const scenarios = [10, 15, 20, 25, 30, 35, 40, 50];\n const table = document.getElementById('discount-scenarios');\n let html = '\u003cthead>\u003ctr>\u003cth>Discount %\u003c/th>\u003cth>Discount Amount\u003c/th>\u003cth>Final Price\u003c/th>\u003cth>Savings\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n scenarios.forEach(pct => {\n const discountAmt = price * (pct / 100);\n const finalPrice = price - discountAmt;\n html += `\u003ctr>\n \u003ctd>${pct}%\u003c/td>\n \u003ctd>${formatCurrency(discountAmt)}\u003c/td>\n \u003ctd>${formatCurrency(finalPrice)}\u003c/td>\n \u003ctd>${formatCurrency(discountAmt)}\u003c/td>\n \u003c/tr>`;\n });\n html += '\u003c/tbody>';\n table.innerHTML = html;\n }\n }\n\n // Markup\n async function calculateMarkup() {\n const cost = document.getElementById('markup-cost').value;\n const markup = document.getElementById('markup-percent').value;\n\n const response = await fetch('/api/markup', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({cost, markup})\n });\n\n const data = await response.json();\n if (data.success) {\n const r = data.result;\n document.getElementById('markup-selling').textContent = formatCurrency(r.selling_price);\n document.getElementById('markup-amount').textContent = formatCurrency(r.markup_amount);\n document.getElementById('markup-margin').textContent = r.margin_percent.toFixed(2) + '%';\n document.getElementById('markup-result').classList.add('show');\n\n // Draw chart\n destroyChart('markup-chart');\n const ctx = document.getElementById('markup-chart').getContext('2d');\n chartInstances['markup-chart'] = new Chart(ctx, {\n type: 'bar',\n data: {\n labels: ['Cost', 'Selling Price'],\n datasets: [{\n label: 'Amount',\n data: [r.cost, r.selling_price],\n backgroundColor: ['#764ba2', '#667eea']\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n scales: {\n y: {\n beginAtZero: true,\n ticks: {\n callback: function(value) {\n return '

Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.

+ value;\n }\n }\n }\n }\n }\n });\n\n // Generate comparison table\n const markups = [10, 20, 30, 40, 50, 75, 100];\n const table = document.getElementById('markup-table');\n let html = '\u003cthead>\u003ctr>\u003cth>Markup %\u003c/th>\u003cth>Selling Price\u003c/th>\u003cth>Margin %\u003c/th>\u003cth>Profit\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n markups.forEach(m => {\n const sellingPrice = parseFloat(cost) * (1 + m/100);\n const profit = sellingPrice - cost;\n const margin = (profit / sellingPrice) * 100;\n html += `\u003ctr>\n \u003ctd>${m}%\u003c/td>\n \u003ctd>${formatCurrency(sellingPrice)}\u003c/td>\n \u003ctd>${margin.toFixed(2)}%\u003c/td>\n \u003ctd>${formatCurrency(profit)}\u003c/td>\n \u003c/tr>`;\n });\n html += '\u003c/tbody>';\n table.innerHTML = html;\n }\n }\n\n // Compound Interest\n async function calculateCompound() {\n const principal = document.getElementById('compound-principal').value;\n const rate = document.getElementById('compound-rate').value;\n const years = document.getElementById('compound-years').value;\n const months = document.getElementById('compound-months').value;\n const frequency = document.getElementById('compound-frequency').value;\n const totalYears = getTotalYears(years, months);\n\n const response = await fetch('/api/compound-interest', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rate, years: totalYears, frequency})\n });\n\n const data = await response.json();\n if (data.success) {\n const r = data.result;\n document.getElementById('compound-final').textContent = formatCurrency(r.final_amount);\n document.getElementById('compound-interest').textContent = formatCurrency(r.total_interest);\n document.getElementById('compound-effective').textContent = (r.effective_annual_rate * 100).toFixed(2) + '%';\n document.getElementById('compound-result').classList.add('show');\n\n // Generate timeline for chart\n await generateCompoundBreakdown(principal, rate, totalYears, frequency);\n }\n }\n\n async function generateCompoundBreakdown(principal, rate, years, frequency) {\n const timeline = await fetch('/api/growth-timeline', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rate, years, frequency})\n });\n \n const data = await timeline.json();\n if (data.success) {\n // Draw chart\n destroyChart('compound-chart');\n const ctx = document.getElementById('compound-chart').getContext('2d');\n chartInstances['compound-chart'] = new Chart(ctx, {\n type: 'bar',\n data: {\n labels: data.timeline.map(d => 'Year ' + d.year),\n datasets: [\n {\n label: 'Principal',\n data: data.timeline.map(d => principal),\n backgroundColor: '#764ba2'\n },\n {\n label: 'Interest',\n data: data.timeline.map(d => d.total_interest),\n backgroundColor: '#667eea'\n }\n ]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n scales: {\n x: { stacked: true },\n y: {\n stacked: true,\n ticks: {\n callback: function(value) {\n return '

Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.

+ value.toLocaleString();\n }\n }\n }\n }\n }\n });\n\n // Draw table\n const table = document.getElementById('compound-breakdown');\n let html = '\u003cthead>\u003ctr>\u003cth>Year\u003c/th>\u003cth>Balance\u003c/th>\u003cth>Interest Earned\u003c/th>\u003cth>Total Interest\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n data.timeline.forEach(row => {\n html += `\u003ctr>\n \u003ctd>${row.year}\u003c/td>\n \u003ctd>${formatCurrency(row.balance)}\u003c/td>\n \u003ctd>${formatCurrency(row.interest)}\u003c/td>\n \u003ctd>${formatCurrency(row.total_interest)}\u003c/td>\n \u003c/tr>`;\n });\n html += '\u003c/tbody>';\n table.innerHTML = html;\n }\n }\n\n // Table Management\n function addRate() {\n const rateInput = document.getElementById('table-rate-input');\n const rate = parseFloat(rateInput.value);\n if (!rates.includes(rate)) {\n rates.push(rate);\n updateRatesTags();\n }\n }\n\n function updateRatesTags() {\n const container = document.getElementById('rates-tags');\n container.innerHTML = rates.map(r => `\u003cspan class=\"tag\">${r}%\u003c/span>`).join('');\n }\n\n function addPeriod() {\n const periodInput = document.getElementById('table-period-input');\n const period = parseInt(periodInput.value);\n if (!periods.includes(period)) {\n periods.push(period);\n updatePeriodsTags();\n }\n }\n\n function updatePeriodsTags() {\n const container = document.getElementById('periods-tags');\n container.innerHTML = periods.map(p => `\u003cspan class=\"tag\">${p} years\u003c/span>`).join('');\n }\n\n async function generateFVTable() {\n const principal = document.getElementById('table-principal').value;\n\n const response = await fetch('/api/fv-table', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rates, periods})\n });\n\n const data = await response.json();\n if (data.success) {\n const table = document.getElementById('fv-table-content');\n let html = '\u003cthead>\u003ctr>\u003cth>Rate\u003c/th>\u003cth>Period\u003c/th>\u003cth>Future Value\u003c/th>\u003cth>Total Gain\u003c/th>\u003cth>Gain %\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n \n data.table.forEach(row => {\n html += `\u003ctr>\n \u003ctd>${row.rate_percent.toFixed(2)}%\u003c/td>\n \u003ctd>${row.period_years} years\u003c/td>\n \u003ctd>${formatCurrency(row.future_value)}\u003c/td>\n \u003ctd>${formatCurrency(row.total_gain)}\u003c/td>\n \u003ctd>${row.gain_percent.toFixed(2)}%\u003c/td>\n \u003c/tr>`;\n });\n \n html += '\u003c/tbody>';\n table.innerHTML = html;\n document.getElementById('fv-table-result').classList.add('show');\n }\n }\n\n // Growth Chart\n async function generateGrowthChart() {\n const principal = document.getElementById('chart-principal').value;\n const rate1 = document.getElementById('chart-rate1').value;\n const rate2 = document.getElementById('chart-rate2').value;\n const rate3 = document.getElementById('chart-rate3').value;\n const years = document.getElementById('chart-years').value;\n const frequency = document.getElementById('chart-frequency').value;\n\n const rates = [rate1, rate2, rate3].filter(r => r);\n \n const response = await fetch('/api/multi-growth', {\n method: 'POST',\n headers: {'Content-Type': 'application/json'},\n body: JSON.stringify({principal, rates, years, frequency})\n });\n\n const data = await response.json();\n if (data.success) {\n // Draw chart\n destroyChart('multi-growth-chart');\n const ctx = document.getElementById('multi-growth-chart').getContext('2d');\n \n const colors = ['#667eea', '#764ba2', '#48bb78'];\n const datasets = data.series.map((series, i) => ({\n label: series.rate.toFixed(2) + '% Rate',\n data: series.values,\n borderColor: colors[i],\n backgroundColor: colors[i] + '20',\n fill: false,\n tension: 0.4\n }));\n\n chartInstances['multi-growth-chart'] = new Chart(ctx, {\n type: 'line',\n data: {\n labels: Array.from({length: parseInt(years) + 1}, (_, i) => 'Year ' + i),\n datasets: datasets\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n plugins: {\n legend: { position: 'top' }\n },\n scales: {\n y: {\n ticks: {\n callback: function(value) {\n return '

Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.

+ value.toLocaleString();\n }\n }\n }\n }\n }\n });\n\n // Draw comparison table\n const table = document.getElementById('chart-comparison-table');\n let html = '\u003cthead>\u003ctr>\u003cth>Rate\u003c/th>\u003cth>Final Value\u003c/th>\u003cth>Total Gain\u003c/th>\u003cth>Gain %\u003c/th>\u003c/tr>\u003c/thead>\u003ctbody>';\n data.series.forEach(series => {\n const finalValue = series.values[series.values.length - 1];\n const gain = finalValue - principal;\n const gainPct = (gain / principal) * 100;\n html += `\u003ctr>\n \u003ctd>${series.rate.toFixed(2)}%\u003c/td>\n \u003ctd>${formatCurrency(finalValue)}\u003c/td>\n \u003ctd>${formatCurrency(gain)}\u003c/td>\n \u003ctd>${gainPct.toFixed(2)}%\u003c/td>\n \u003c/tr>`;\n });\n html += '\u003c/tbody>';\n table.innerHTML = html;\n\n document.getElementById('chart-result').classList.add('show');\n }\n }\n \u003c/script>\n\u003c/body>\n\u003c/html>\n","content_type":"text/html; charset=utf-8","language":"markup","size":46309,"content_sha256":"7d3eccfca3ef10105b70d22078a0f0ce8aa37d6d143ed012e49fead215220dd0"},{"filename":"references/formulas.md","content":"# Financial Formulas Reference\n\n## Future Value (FV)\n\nCalculate the future value of an investment with compound interest.\n\n**Formula:**\n```\nFV = PV × (1 + r/n)^(n×t)\n```\n\nWhere:\n- `FV` = Future Value\n- `PV` = Present Value (initial investment)\n- `r` = Annual interest rate (as decimal)\n- `n` = Number of times interest is compounded per year\n- `t` = Number of years\n\n**Example:**\n```\nInitial investment: $10,000\nAnnual rate: 5% (0.05)\nTime: 10 years\nCompounding: Monthly (12)\n\nFV = 10,000 × (1 + 0.05/12)^(12×10)\nFV = 10,000 × (1.004167)^120\nFV = $16,470.09\n```\n\n## Present Value (PV)\n\nCalculate the present value (what a future amount is worth today).\n\n**Formula:**\n```\nPV = FV / (1 + r/n)^(n×t)\n```\n\nWhere:\n- `PV` = Present Value\n- `FV` = Future Value\n- `r` = Annual discount rate (as decimal)\n- `n` = Compounding frequency per year\n- `t` = Number of years\n\n**Example:**\n```\nFuture value: $20,000\nDiscount rate: 5% (0.05)\nTime: 10 years\nCompounding: Monthly (12)\n\nPV = 20,000 / (1 + 0.05/12)^(12×10)\nPV = 20,000 / 1.6470\nPV = $12,139.13\n```\n\n## Discount Calculation\n\nCalculate final price after applying a percentage discount.\n\n**Formula:**\n```\nDiscount Amount = Original Price × (Discount % / 100)\nFinal Price = Original Price - Discount Amount\n```\n\n**Example:**\n```\nOriginal Price: $100\nDiscount: 20%\n\nDiscount Amount = 100 × 0.20 = $20\nFinal Price = 100 - 20 = $80\n```\n\n## Markup Calculation\n\nCalculate selling price from cost and markup percentage.\n\n**Formula:**\n```\nMarkup Amount = Cost × (Markup % / 100)\nSelling Price = Cost + Markup Amount\nProfit Margin = (Markup Amount / Selling Price) × 100\n```\n\n**Example:**\n```\nCost: $100\nMarkup: 30%\n\nMarkup Amount = 100 × 0.30 = $30\nSelling Price = 100 + 30 = $130\nProfit Margin = (30 / 130) × 100 = 23.08%\n```\n\n## Compound Interest\n\nCalculate detailed compound interest breakdown.\n\n**Formula:**\n```\nFinal Amount = P × (1 + r/n)^(n×t)\nTotal Interest = Final Amount - P\nEffective Annual Rate = (1 + r/n)^n - 1\n```\n\nWhere:\n- `P` = Principal (initial amount)\n- `r` = Annual interest rate (as decimal)\n- `n` = Compounding frequency\n- `t` = Time in years\n\n**Example:**\n```\nPrincipal: $10,000\nRate: 5% (0.05)\nTime: 10 years\nCompounding: Monthly (12)\n\nFinal Amount = 10,000 × (1 + 0.05/12)^(12×10) = $16,470.09\nTotal Interest = 16,470.09 - 10,000 = $6,470.09\nEffective Rate = (1 + 0.05/12)^12 - 1 = 5.12%\n```\n\n## Annuity Future Value\n\nCalculate future value of a series of equal payments.\n\n**Formula:**\n```\nFV = PMT × [((1 + r)^n - 1) / r]\n```\n\nWhere:\n- `FV` = Future Value of annuity\n- `PMT` = Payment amount per period\n- `r` = Interest rate per period\n- `n` = Number of periods\n\n**Example:**\n```\nMonthly payment: $500\nAnnual rate: 6% (0.06)\nMonthly rate: 0.06/12 = 0.005\nTime: 5 years = 60 months\n\nFV = 500 × [((1.005)^60 - 1) / 0.005]\nFV = 500 × 69.77\nFV = $34,885\n```\n\n## Annuity Present Value\n\nCalculate present value of a series of equal future payments.\n\n**Formula:**\n```\nPV = PMT × [(1 - (1 + r)^-n) / r]\n```\n\nWhere:\n- `PV` = Present Value of annuity\n- `PMT` = Payment amount per period\n- `r` = Interest rate per period\n- `n` = Number of periods\n\n**Example:**\n```\nMonthly payment: $1,000\nAnnual rate: 6% (0.06)\nMonthly rate: 0.06/12 = 0.005\nTime: 10 years = 120 months\n\nPV = 1,000 × [(1 - (1.005)^-120) / 0.005]\nPV = 1,000 × 90.07\nPV = $90,073.45\n```\n\n## Compounding Frequencies\n\nCommon compounding frequencies:\n\n| Frequency | Periods per Year (n) |\n|-----------|---------------------|\n| Annually | 1 |\n| Semi-annually | 2 |\n| Quarterly | 4 |\n| Monthly | 12 |\n| Weekly | 52 |\n| Daily | 365 |\n| Continuously | Use e^(rt) formula |\n\n## Common Use Cases\n\n### Investment Growth\nUse **Future Value** to see how investments grow over time with compound interest.\n\n### Loan Present Value\nUse **Present Value** to determine what monthly payments are worth in today's dollars.\n\n### Retail Discounts\nUse **Discount Calculator** for sale prices and savings.\n\n### Business Pricing\nUse **Markup Calculator** to price products based on cost and desired profit margin.\n\n### Savings Planning\nUse **FV Tables** to compare different interest rates and time horizons.\n\n### Retirement Planning\nUse **Annuity** formulas for regular contributions or withdrawals.\n","content_type":"text/markdown; charset=utf-8","language":"markdown","size":4215,"content_sha256":"5df9d453dbbb37d0260d3b98516364a9aa92485fbe715e46d87153b3d7ece1d7"},{"filename":"scripts/calculate.py","content":"#!/usr/bin/env python3\n\"\"\"\nFinancial Calculator - Core calculation engine\n\"\"\"\n\nimport math\nfrom typing import Dict, List, Tuple\n\n\ndef future_value(present_value: float, rate: float, periods: int, \n compound_frequency: int = 1) -> float:\n \"\"\"\n Calculate future value with compound interest.\n \n Args:\n present_value: Initial investment/principal\n rate: Annual interest rate (as decimal, e.g., 0.05 for 5%)\n periods: Number of years\n compound_frequency: Compounding per year (1=annual, 12=monthly, 365=daily)\n \n Returns:\n Future value\n \"\"\"\n rate_per_period = rate / compound_frequency\n total_periods = periods * compound_frequency\n return present_value * (1 + rate_per_period) ** total_periods\n\n\ndef present_value(future_value: float, rate: float, periods: int,\n compound_frequency: int = 1) -> float:\n \"\"\"\n Calculate present value (discounted value).\n \n Args:\n future_value: Future amount\n rate: Annual discount rate (as decimal)\n periods: Number of years\n compound_frequency: Compounding per year\n \n Returns:\n Present value\n \"\"\"\n rate_per_period = rate / compound_frequency\n total_periods = periods * compound_frequency\n return future_value / ((1 + rate_per_period) ** total_periods)\n\n\ndef discount_amount(original_price: float, discount_percent: float) -> Dict[str, float]:\n \"\"\"\n Calculate discount amount and final price.\n \n Args:\n original_price: Original price\n discount_percent: Discount percentage (e.g., 20 for 20%)\n \n Returns:\n Dict with discount_amount, final_price, savings_percent\n \"\"\"\n discount_amount = original_price * (discount_percent / 100)\n final_price = original_price - discount_amount\n \n return {\n 'original_price': original_price,\n 'discount_percent': discount_percent,\n 'discount_amount': discount_amount,\n 'final_price': final_price,\n 'savings_percent': discount_percent\n }\n\n\ndef markup_price(cost: float, markup_percent: float) -> Dict[str, float]:\n \"\"\"\n Calculate selling price from cost and markup percentage.\n \n Args:\n cost: Original cost\n markup_percent: Markup percentage (e.g., 30 for 30%)\n \n Returns:\n Dict with cost, markup_amount, selling_price, margin_percent\n \"\"\"\n markup_amount = cost * (markup_percent / 100)\n selling_price = cost + markup_amount\n margin_percent = (markup_amount / selling_price) * 100 if selling_price > 0 else 0\n \n return {\n 'cost': cost,\n 'markup_percent': markup_percent,\n 'markup_amount': markup_amount,\n 'selling_price': selling_price,\n 'margin_percent': margin_percent\n }\n\n\ndef compound_interest(principal: float, rate: float, periods: int,\n compound_frequency: int = 1) -> Dict[str, float]:\n \"\"\"\n Calculate compound interest details.\n \n Args:\n principal: Initial amount\n rate: Annual interest rate (as decimal)\n periods: Number of years\n compound_frequency: Compounding per year\n \n Returns:\n Dict with principal, final_amount, total_interest, effective_rate\n \"\"\"\n final_amount = future_value(principal, rate, periods, compound_frequency)\n total_interest = final_amount - principal\n \n # Effective annual rate\n effective_rate = (1 + rate / compound_frequency) ** compound_frequency - 1\n \n return {\n 'principal': principal,\n 'rate': rate,\n 'periods': periods,\n 'compound_frequency': compound_frequency,\n 'final_amount': final_amount,\n 'total_interest': total_interest,\n 'effective_annual_rate': effective_rate\n }\n\n\ndef generate_fv_table(principal: float, rates: List[float], \n periods: List[int]) -> List[Dict]:\n \"\"\"\n Generate future value table for multiple rates and periods.\n \n Args:\n principal: Initial amount\n rates: List of annual rates (as decimals, e.g., [0.03, 0.05, 0.07])\n periods: List of periods in years (e.g., [1, 5, 10, 20])\n \n Returns:\n List of dicts with rate, period, future_value\n \"\"\"\n results = []\n for rate in rates:\n for period in periods:\n fv = future_value(principal, rate, period)\n results.append({\n 'rate_percent': rate * 100,\n 'period_years': period,\n 'future_value': fv,\n 'total_gain': fv - principal,\n 'gain_percent': ((fv - principal) / principal) * 100\n })\n return results\n\n\ndef generate_discount_table(original_price: float, \n discounts: List[float]) -> List[Dict]:\n \"\"\"\n Generate discount table for multiple discount percentages.\n \n Args:\n original_price: Original price\n discounts: List of discount percentages (e.g., [10, 20, 30])\n \n Returns:\n List of dicts with discount details\n \"\"\"\n results = []\n for discount in discounts:\n result = discount_amount(original_price, discount)\n results.append(result)\n return results\n\n\ndef annuity_future_value(payment: float, rate: float, periods: int) -> float:\n \"\"\"\n Calculate future value of annuity (series of equal payments).\n \n Args:\n payment: Payment amount per period\n rate: Interest rate per period (as decimal)\n periods: Number of periods\n \n Returns:\n Future value of annuity\n \"\"\"\n if rate == 0:\n return payment * periods\n return payment * (((1 + rate) ** periods - 1) / rate)\n\n\ndef annuity_present_value(payment: float, rate: float, periods: int) -> float:\n \"\"\"\n Calculate present value of annuity.\n \n Args:\n payment: Payment amount per period\n rate: Interest rate per period (as decimal)\n periods: Number of periods\n \n Returns:\n Present value of annuity\n \"\"\"\n if rate == 0:\n return payment * periods\n return payment * ((1 - (1 + rate) ** -periods) / rate)\n\n\n# CLI interface for quick calculations\nif __name__ == \"__main__\":\n import sys\n import json\n \n if len(sys.argv) \u003c 2:\n print(\"Usage: calculate.py \u003ccommand> [args...]\")\n print(\"\\nCommands:\")\n print(\" fv \u003cprincipal> \u003crate> \u003cyears> [frequency]\")\n print(\" pv \u003cfuture_value> \u003crate> \u003cyears> [frequency]\")\n print(\" discount \u003cprice> \u003cpercent>\")\n print(\" markup \u003ccost> \u003cpercent>\")\n print(\" fv_table \u003cprincipal> \u003crates...> --periods \u003cperiods...>\")\n print(\" discount_table \u003cprice> \u003cpercents...>\")\n sys.exit(1)\n \n command = sys.argv[1]\n \n if command == \"fv\":\n pv = float(sys.argv[2])\n rate = float(sys.argv[3])\n years = int(sys.argv[4])\n freq = int(sys.argv[5]) if len(sys.argv) > 5 else 1\n result = future_value(pv, rate, years, freq)\n print(json.dumps({'future_value': result}, indent=2))\n \n elif command == \"pv\":\n fv = float(sys.argv[2])\n rate = float(sys.argv[3])\n years = int(sys.argv[4])\n freq = int(sys.argv[5]) if len(sys.argv) > 5 else 1\n result = present_value(fv, rate, years, freq)\n print(json.dumps({'present_value': result}, indent=2))\n \n elif command == \"discount\":\n price = float(sys.argv[2])\n percent = float(sys.argv[3])\n result = discount_amount(price, percent)\n print(json.dumps(result, indent=2))\n \n elif command == \"markup\":\n cost = float(sys.argv[2])\n percent = float(sys.argv[3])\n result = markup_price(cost, percent)\n print(json.dumps(result, indent=2))\n \n elif command == \"fv_table\":\n principal = float(sys.argv[2])\n # Find --periods flag\n periods_idx = sys.argv.index('--periods') if '--periods' in sys.argv else -1\n if periods_idx == -1:\n print(\"Error: --periods flag required\")\n sys.exit(1)\n \n rates = [float(r) for r in sys.argv[3:periods_idx]]\n periods = [int(p) for p in sys.argv[periods_idx+1:]]\n \n results = generate_fv_table(principal, rates, periods)\n print(json.dumps(results, indent=2))\n \n elif command == \"discount_table\":\n price = float(sys.argv[2])\n discounts = [float(d) for d in sys.argv[3:]]\n results = generate_discount_table(price, discounts)\n print(json.dumps(results, indent=2))\n \n else:\n print(f\"Unknown command: {command}\")\n sys.exit(1)\n","content_type":"text/x-python; charset=utf-8","language":"python","size":8587,"content_sha256":"4618dfb8e207872c2bd3de3258bdbbaac43f0db88a86d6eb156e5d97d3889179"},{"filename":"scripts/launch_ui.sh","content":"#!/bin/bash\n# Launch the financial calculator web UI\n# Usage: ./launch_ui.sh [port]\n\nSCRIPT_DIR=\"$(cd \"$(dirname \"${BASH_SOURCE[0]}\")\" && pwd)\"\nSKILL_DIR=\"$(dirname \"$SCRIPT_DIR\")\"\nPORT=\"${1:-5050}\"\n\ncd \"$SKILL_DIR\"\n\n# Check if venv exists, create if not\nif [ ! -d \"venv\" ]; then\n echo \"Creating virtual environment...\"\n python3 -m venv venv\n venv/bin/pip install flask --quiet\nfi\n\n# Launch the web UI\necho \"\"\necho \"🧮 Financial Calculator\"\necho \"📊 Open: http://localhost:$PORT\"\necho \"Press Ctrl+C to stop\"\necho \"\"\n\nvenv/bin/python scripts/web_ui.py \"$PORT\"\n","content_type":"application/x-sh; charset=utf-8","language":"bash","size":572,"content_sha256":"b7fc5e339fe993b2f9b7011bcbda2d600227ddcc19a9982d23a1ebb9d280026d"},{"filename":"scripts/web_ui.py","content":"#!/usr/bin/env python3\n\"\"\"\nFinancial Calculator - Web UI Server\nLaunch with: python3 web_ui.py [port]\n\"\"\"\n\nfrom flask import Flask, render_template, request, jsonify\nimport os\nimport sys\n\n# Add scripts directory to path to import calculate module\nsys.path.insert(0, os.path.dirname(__file__))\nimport calculate\n\napp = Flask(__name__, \n template_folder='../assets',\n static_folder='../assets')\n\n\[email protected]('/')\ndef index():\n \"\"\"Serve the main calculator page\"\"\"\n return render_template('calculator.html')\n\n\[email protected]('/api/future-value', methods=['POST'])\ndef api_future_value():\n \"\"\"Calculate future value\"\"\"\n data = request.json\n try:\n result = calculate.future_value(\n present_value=float(data['principal']),\n rate=float(data['rate']) / 100, # Convert percentage to decimal\n periods=int(data['years']),\n compound_frequency=int(data.get('frequency', 1))\n )\n return jsonify({'success': True, 'future_value': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/present-value', methods=['POST'])\ndef api_present_value():\n \"\"\"Calculate present value\"\"\"\n data = request.json\n try:\n result = calculate.present_value(\n future_value=float(data['future_value']),\n rate=float(data['rate']) / 100,\n periods=int(data['years']),\n compound_frequency=int(data.get('frequency', 1))\n )\n return jsonify({'success': True, 'present_value': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/discount', methods=['POST'])\ndef api_discount():\n \"\"\"Calculate discount\"\"\"\n data = request.json\n try:\n result = calculate.discount_amount(\n original_price=float(data['price']),\n discount_percent=float(data['discount'])\n )\n return jsonify({'success': True, 'result': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/markup', methods=['POST'])\ndef api_markup():\n \"\"\"Calculate markup\"\"\"\n data = request.json\n try:\n result = calculate.markup_price(\n cost=float(data['cost']),\n markup_percent=float(data['markup'])\n )\n return jsonify({'success': True, 'result': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/compound-interest', methods=['POST'])\ndef api_compound_interest():\n \"\"\"Calculate compound interest details\"\"\"\n data = request.json\n try:\n result = calculate.compound_interest(\n principal=float(data['principal']),\n rate=float(data['rate']) / 100,\n periods=int(data['years']),\n compound_frequency=int(data.get('frequency', 1))\n )\n return jsonify({'success': True, 'result': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/fv-table', methods=['POST'])\ndef api_fv_table():\n \"\"\"Generate future value table\"\"\"\n data = request.json\n try:\n rates = [float(r) / 100 for r in data['rates']] # Convert to decimals\n periods = [int(p) for p in data['periods']]\n \n result = calculate.generate_fv_table(\n principal=float(data['principal']),\n rates=rates,\n periods=periods\n )\n return jsonify({'success': True, 'table': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/discount-table', methods=['POST'])\ndef api_discount_table():\n \"\"\"Generate discount table\"\"\"\n data = request.json\n try:\n discounts = [float(d) for d in data['discounts']]\n \n result = calculate.generate_discount_table(\n original_price=float(data['price']),\n discounts=discounts\n )\n return jsonify({'success': True, 'table': result})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/growth-timeline', methods=['POST'])\ndef api_growth_timeline():\n \"\"\"Generate year-by-year growth timeline\"\"\"\n data = request.json\n try:\n principal = float(data['principal'])\n rate = float(data['rate']) / 100\n years = float(data['years'])\n frequency = int(data.get('frequency', 1))\n \n timeline = []\n total_interest = 0\n \n # Generate timeline for each year\n num_years = int(years) + 1\n for year in range(num_years):\n if year == 0:\n balance = principal\n interest = 0\n else:\n balance = calculate.future_value(principal, rate, year, frequency)\n prev_balance = calculate.future_value(principal, rate, year - 1, frequency) if year > 1 else principal\n interest = balance - prev_balance\n total_interest += interest\n \n timeline.append({\n 'year': year,\n 'balance': round(balance, 2),\n 'interest': round(interest, 2),\n 'total_interest': round(total_interest, 2)\n })\n \n return jsonify({'success': True, 'timeline': timeline})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\[email protected]('/api/multi-growth', methods=['POST'])\ndef api_multi_growth():\n \"\"\"Generate multi-rate growth comparison\"\"\"\n data = request.json\n try:\n principal = float(data['principal'])\n rates = [float(r) / 100 for r in data['rates']]\n years = int(data['years'])\n frequency = int(data.get('frequency', 1))\n \n series = []\n for rate in rates:\n values = []\n for year in range(years + 1):\n if year == 0:\n value = principal\n else:\n value = calculate.future_value(principal, rate, year, frequency)\n values.append(round(value, 2))\n \n series.append({\n 'rate': rate * 100,\n 'values': values\n })\n \n return jsonify({'success': True, 'series': series})\n except Exception as e:\n return jsonify({'success': False, 'error': str(e)}), 400\n\n\nif __name__ == '__main__':\n port = int(sys.argv[1]) if len(sys.argv) > 1 else 5050\n print(f\"\\n🧮 Financial Calculator\")\n print(f\"📊 Open: http://localhost:{port}\")\n print(f\"Press Ctrl+C to stop\\n\")\n app.run(host='0.0.0.0', port=port, debug=False)\n","content_type":"text/x-python; charset=utf-8","language":"python","size":6750,"content_sha256":"2971ec9ab21ba92512b2c51dd7b377bda735721f039c51b9e3058e77279926ea"}],"content_json":{"type":"doc","content":[{"type":"heading","attrs":{"level":1},"content":[{"text":"Financial Calculator","type":"text"}]},{"type":"paragraph","content":[{"text":"Comprehensive financial calculations including future value, present value, discount/markup pricing, compound interest, and comparative tables.","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Quick Start","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"CLI Usage","type":"text"}]},{"type":"code_block","attrs":{"wrap":false,"language":"bash"},"content":[{"text":"# Future Value\npython3 scripts/calculate.py fv 10000 0.05 10 12\n# PV=$10,000, Rate=5%, Years=10, Monthly compounding\n\n# Present Value\npython3 scripts/calculate.py pv 20000 0.05 10 12\n# FV=$20,000, Rate=5%, Years=10, Monthly compounding\n\n# Discount\npython3 scripts/calculate.py discount 100 20\n# Price=$100, Discount=20%\n\n# Markup\npython3 scripts/calculate.py markup 100 30\n# Cost=$100, Markup=30%\n\n# Future Value Table\npython3 scripts/calculate.py fv_table 10000 0.03 0.05 0.07 --periods 1 5 10 20\n# Principal=$10,000, Rates=3%,5%,7%, Periods=1,5,10,20 years\n\n# Discount Table\npython3 scripts/calculate.py discount_table 100 10 15 20 25 30\n# Price=$100, Discounts=10%,15%,20%,25%,30%","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"Web UI","type":"text"}]},{"type":"paragraph","content":[{"text":"Launch the interactive calculator:","type":"text"}]},{"type":"code_block","attrs":{"wrap":false,"language":"bash"},"content":[{"text":"./scripts/launch_ui.sh [port]\n# Default port: 5050\n# Opens at: http://localhost:5050\n# Auto-creates venv and installs Flask if needed","type":"text"}]},{"type":"paragraph","content":[{"text":"Or manually:","type":"text"}]},{"type":"code_block","attrs":{"wrap":false,"language":"bash"},"content":[{"text":"cd skills/financial-calculator\npython3 -m venv venv # First time only\nvenv/bin/pip install flask # First time only\nvenv/bin/python scripts/web_ui.py [port]","type":"text"}]},{"type":"paragraph","content":[{"text":"Features:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"7 calculator types with intuitive tabs","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Real-time calculations","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Interactive tables","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Beautiful gradient UI","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Mobile-responsive design","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Calculators","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"1. Future Value (FV)","type":"text"}]},{"type":"paragraph","content":[{"text":"Calculate what an investment will be worth in the future with compound interest.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Investment growth projections","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Savings account growth","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Retirement planning","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Inputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Principal amount","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Annual interest rate (%)","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Time period (years)","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Compounding frequency (annual/quarterly/monthly/daily)","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"2. Present Value (PV)","type":"text"}]},{"type":"paragraph","content":[{"text":"Calculate the current value of a future amount (discounted value).","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Loan valuation","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Bond pricing","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Investment analysis","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Inputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Future value","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Annual discount rate (%)","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Time period (years)","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Compounding frequency","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3. Discount Calculator","type":"text"}]},{"type":"paragraph","content":[{"text":"Calculate final price after applying percentage discount.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Retail pricing","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Sale calculations","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Cost savings analysis","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Inputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Original price","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Discount percentage","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Outputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Discount amount","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Final price","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Savings percentage","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"4. Markup Calculator","type":"text"}]},{"type":"paragraph","content":[{"text":"Calculate selling price from cost and markup percentage.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Product pricing","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Profit margin calculation","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Business pricing strategy","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Inputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Cost price","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Markup percentage","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Outputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Markup amount","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Selling price","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Profit margin (as % of selling price)","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"5. Compound Interest","type":"text"}]},{"type":"paragraph","content":[{"text":"Detailed breakdown of compound interest calculations.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Interest analysis","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Effective rate comparison","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Loan interest calculation","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Outputs:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Final amount","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Total interest earned","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Effective annual rate","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"6. Future Value Table","type":"text"}]},{"type":"paragraph","content":[{"text":"Generate comparison table across multiple rates and time periods.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Investment scenario comparison","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Rate shopping","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Long-term planning","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Features:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Add multiple interest rates","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Add multiple time periods","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"View all combinations in sortable table","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"See total gain and gain percentage","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"7. Discount Table","type":"text"}]},{"type":"paragraph","content":[{"text":"Compare multiple discount percentages for the same price.","type":"text"}]},{"type":"paragraph","content":[{"text":"Use cases:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Bulk pricing strategies","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Promotional planning","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Price comparison","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Features:","type":"text","marks":[{"type":"strong"}]}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Add multiple discount percentages","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"See all discount 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present_value,\n discount_amount,\n markup_price,\n compound_interest,\n generate_fv_table,\n generate_discount_table\n)\n\n# Calculate FV\nfv = future_value(\n present_value=10000,\n rate=0.05, # 5% as decimal\n periods=10,\n compound_frequency=12 # Monthly\n)\n\n# Generate table\ntable = generate_fv_table(\n principal=10000,\n rates=[0.03, 0.05, 0.07], # As decimals\n periods=[1, 5, 10, 20]\n)","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Formulas","type":"text"}]},{"type":"paragraph","content":[{"text":"See ","type":"text"},{"text":"references/formulas.md","type":"text","marks":[{"type":"code_inline"}]},{"text":" for detailed mathematical formulas, examples, and use cases for all calculations.","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Tips","type":"text"}]},{"type":"paragraph","content":[{"text":"Rate 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take a few seconds","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"CLI is fastest for single calculations","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Common Workflows","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"Investment Planning","type":"text"}]},{"type":"ordered_list","attrs":{"order":1,"listStyle":"number"},"content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Use ","type":"text"},{"text":"FV Calculator","type":"text","marks":[{"type":"strong"}]},{"text":" to project single investment","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Generate ","type":"text"},{"text":"FV Table","type":"text","marks":[{"type":"strong"}]},{"text":" to compare different rates","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Check ","type":"text"},{"text":"Compound 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Important: agents should read /llm.txt, /llms.txt, or /.well-known/skills.json to discover the public Skillopedia API.