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fintechcalc

v1.0.0

Published

High precision financial calculation library

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Links

Git

Maintainers

itzwokiitzwoki

Keywords

financefintechamortizationcompound-interestinsurance

Readme

FintechCalc

FintechCalc is a TypeScript financial calculation library focused on precision, modularity, and real-world finance features. It covers loan amortization, compound investment growth, insurance premium modeling, and core finance utilities.

Modules

Amortization

  • Fully amortizing loans
  • Interest-only loans
  • Bullet loans
  • Balloon loans by percentage or amortization period
  • Adjustable interest rate schedules
  • Extra payments and early payoff detection
  • Mortgage features: fees, closing costs, PMI, escrow, and yearly breakdowns
  • Input validation and negative amortization protection

Compound Interest

  • Multiple compounding frequencies
  • Recurring contributions
  • Tax modeling for gains
  • Inflation adjustment
  • Nominal vs real return breakdown
  • Detailed annual schedule output

Insurance

  • Term life and whole life pricing
  • Risk multipliers for health, occupation, and medical history
  • Coverage decrease and inflation adjustment
  • Rider support for accidental death benefit and waiver of premium
  • Annual schedule projection

Finance Utilities

  • Present Value (PV)
  • Future Value (FV)
  • Net Present Value (NPV)
  • Internal Rate of Return (IRR)
  • Effective Annual Rate (EAR)
  • APR / nominal rate conversions

Usage

Import from the package entry point:

import {
  calculateAmortization,
  calculateInsurancePremium,
  presentValue,
  futureValue,
  netPresentValue,
  internalRateOfReturn,
  effectiveAnnualRate,
  nominalRateFromEffectiveAnnualRate
} from "./src";

Development

Run the test suite:

npm run test:run

Notes

The library uses decimal.js for high-precision calculations and is designed to be used as a logic layer behind frontend or backend applications.